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401 Imperial Hwy
Fullerton, CA 92835

Pacific Community Credit Union is headquartered in Fullerton and is the 114st largest credit union in the state of California. It is also the 976th largest credit union in the nation. It was established in 1955 and as of December of 2013, it had grown to 46 employees and 11,772 members. Pacific Community Credit Union's savings rates are 92% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Must live, work, worship, volunteer or attend school in Orange County, Gateway Cities Community, San Gabriel Valley Community or Riverside County; OR must be a member of the listed Associations (some of which are open to residents of all states). - See Details

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Reviews (1)

Can't Go Wrong

Everybodys very nice! The process for opening an acount was quick and easy. Got a free Visa debit card and my first box of checks were free.


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 Pacific Community Credit Union had $183,000 in non-current loans and owned real-estate with $25.88 million in equity and loan loss allowances on hand to cover it. This gives Pacific Community Credit Union a Texas Ratio of 0.71% 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 decreased slightly from 0.98% as of December 31, 2012 to 0.71% as of December 31, 2013, resulting in a positive change of 28.05%.This indicates that the balance sheet and financial strength for Pacific Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Pacific Community Credit Union has decreased its total deposits by -$6.34 million, resulting in -4.02% 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 below 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. Pacific Community Credit Union has $183.04 million in assets with $25.88 million in equity, resulting in a capitalization level of 14.14%, which is excellent.

Institution Statistics

NCUA #60847
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$183.04 million
Loans$60.07 million
Deposits$151.41 million
Equity Capital$24.33 million
Loan Loss Allowance$1.55 million
Unbacked Noncurrent Loans$183,000
Real Estate Owned$0
Historic Data - December 2012
Assets$190.35 million
Equity Capital$25.71 million
Loan Loss Allowance$1.66 million
Unbacked Noncurrent Loans$183,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.08%
Return on Assets0.24%
Return on Equity1.77%
Interest Income$4.81 million
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Pacific Community Credit Union Savings Account Rates

1.00%--Health Savings Account
0.30%$100k-Platinum Savings - Base Rate
0.30%$100k-Business Platinum Savings - Base Rate
0.05%$100-Regular Savings
0.05%$400-Continuous Savings
0.05%$100-Holiday Club
0.05%$100-Vacation Club
0.05%$100-Money & Me Kids Club

Pacific Community Credit Union Money Market Rates

0.15%--Money Market Checking
0.15%$10k-High Rate Money Market

Pacific Community Credit Union Checking Account Rates

0.15%$10k-Platinum Checking
0.15%--Business Platinum Checking
0.10%--Convenience Checking Plus

Pacific Community Credit Union Locations
Branch Office401 Imperial HwyFullerton, CA 92835-1145
Branch Office1202 S Idaho St Ste HLa Habra, CA 90631-0607
Branch Office1002 W West Covina PkwyWest Covina, CA 91790-2810
Branch Office18600 Von Karman AveIrvine, CA 92612-1513