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One Civic Plaza Sutie 101
Carson, CA 90745

Harbor Federal Credit Union is headquartered in Carson and is the 149th largest credit union in the state of California. It is also the 1,460th largest credit union in the nation. It was established in 1947 and as of December of 2013, it had grown to 29 employees and 10,441 members. Harbor Federal Credit Union has a A+ health rating.

Field of Membership Restrictions

Must be an employee of the Los Angeles County Harbor-UCLA Medical Center or several other companies. Also open to members or employees of several listed organizations or chambers. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Harbor Federal Credit Union had $811,000 in non-current loans and owned real-estate with $17.52 million in equity and loan loss allowances on hand to cover it. This gives Harbor Federal Credit Union a Texas Ratio of 4.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Harbor Federal Credit Union decreased dramatically from 9.69% as of December 31, 2012 to 4.63% as of December 31, 2013, resulting in a positive change of 52.20%.This indicates that the balance sheet and financial strength for Harbor Federal Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Harbor Federal Credit Union has increased its total deposits by $1.67 million, resulting in 1.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Harbor Federal Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Harbor Federal Credit Union has $103.52 million in assets with $17.52 million in equity, resulting in a capitalization level of 16.92%, which is excellent.

Institution Statistics

NCUA #5593
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$103.52 million
Loans$28.51 million
Deposits$86.31 million
Equity Capital$15.45 million
Loan Loss Allowance$2.06 million
Unbacked Noncurrent Loans$811,000
Real Estate Owned$0
Historic Data - December 2012
Assets$101.07 million
Equity Capital$15.11 million
Loan Loss Allowance$2.13 million
Unbacked Noncurrent Loans$811,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.05%
Return on Assets0.43%
Return on Equity2.87%
Interest Income$2.55 million

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Harbor Federal Credit Union Savings Account Rates

0.10%$500-Special Savings
0.10%$500-Regular Share Account
0.10%$500-Christmas Club Account

Harbor Federal Credit Union Money Market Rates

0.35%$200k-Money Market Account

Harbor Federal Credit Union Checking Account Rates

0.10%$500-Golden Harbor Club Relationship Checking
0.10%$500-Advantage Relationship Checking

Harbor Federal Credit Union CD Rates

1.31%$100k-60 Month Share Certificate
0.90%$100k-48 Month Share Certificate
0.70%$100k-36 Month Share Certificate
0.45%$100k-24 Month Share Certificate
0.40%$100k-12 Month Share Certificate
0.25%$100k-3 Month Share Certificate
0.25%$100k-6 Month Share Certificate

Harbor Federal Credit Union IRA Rates

0.75%--12 Month IRA Certificate (Traditional,Roth,CESA)

Harbor Federal Credit Union Locations
Branch Office1 Civic Plaza Dr Ste 101Carson, CA 907457976