Pacific Community Credit Union

Pacific Community Credit Union is headquartered in Fullerton and is the 113^st largest credit union in the state of California. It is also the 903^rd largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 43 employees and 13,301 members. Pacific Community Credit Union's savings rates are 6X the national average, and it boasts a 5-star health rating.

Pacific Community Credit Union Routing Number: 322275610

Pacific Community Credit Union Checking Account Rates

Pacific Community Credit Union Savings Account Rates

Pacific Community Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics PACIFIC COMMUNITY NCUA # 60847 BankRate Report View Year Chartered 1955 Employees 43 Primary Regulator Assets and Liabilities Assets $186.48 million Loans $73.99 million Deposits $158.77 million Equity Capital $24.39 million Loan Loss Allowance $2.98 million Unbacked Noncurrent Loans $325,000 Historic Data - December 2010 Assets $183.31 million Equity Capital $23.66 million Loan Loss Allowance $3.74 million Unbacked Noncurrent Loans $336,000 Profit Margin - Quarterly Net Interest Margin 6.26% Return on Assets 0.43% Return on Equity 3.31% Interest Income $6.40 million Non-Interest Income $2.36 million

Institution Health Overall Score: 5 out of 5 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, 2011 Pacific Community Credit Union had $325,000 in non-current loans and owned real-estate with $27.37 million in equity and loan loss allowances on hand to cover it. This gives Pacific Community Credit Union a Texas Ratio of 1.19% 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 Pacific Community Credit Union held steady from 1.23% as of December 31, 2010 to 1.19% as of December 31, 2011, resulting in a positive change of 3.17%.This indicates that the balance sheet and financial strength for Pacific Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Pacific Community Credit Union has increased its total deposits by $4.64 million, resulting in 3.01% 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 Pacific Community Credit Union has shown is above average. Capitalization 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. Pacific Community Credit Union has $186.48 million in assets with $27.37 million in equity, resulting in a capitalization level of 14.68%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.