Pacific Oaks Credit Union

Pacific Oaks Credit Union Locations
761 E DAILY DR STE 200
Camarillo, CA 93010
www.pacificoaksfcu.org

NCUA


Pacific Oaks Credit Union is headquartered in CAMARILLO and is the 93rd largest credit union in the state of California. It is also the 674th largest credit union in the nation. It was established in 1948 and as of December of 2012, it had grown to 56 employees and 21,471 members. Pacific Oaks Credit Union has a 5-star health rating.



See Rates for: Checking | Savings | Money Market | CD | IRA

Pacific Oaks Credit Union Checking Account Rates

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0.05%--Platinum Checking

Pacific Oaks Credit Union Savings Account Rates

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0.10%$25-Regular Share
0.10%$25-Custom Club Savings

Pacific Oaks Credit Union Money Market Rates

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0.20%$100k-Money Market

Pacific Oaks Credit Union CD Rates

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0.95%$1k-5 Year Certificates
0.70%$1k-4 Year Certificates
0.55%$1k-3 Year Certificates
0.45%$1k-2 Year Certificates
0.30%$1k-1 Year Certificates
0.25%$1k-6 Month Certificates
0.15%$1k-3 Month Certificates

Pacific Oaks Credit Union IRA Rates

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0.95%$500-5 Year IRA
0.95%$500-5 Year Roth IRA
0.95%$500-5 Year Coverdell ESA
0.70%$500-4 Year IRA
0.70%$500-4 Year Roth IRA
0.70%$500-4 Year Coverdell ESA
0.55%$500-3 Year IRA
0.55%$500-3 Year Roth IRA
0.55%$500-3 Year Coverdell ESA
0.45%$500-2 Year IRA
0.45%$500-2 Year Roth IRA
0.45%$500-2 Year Coverdell ESA
0.30%$500-1 Year IRA
0.30%$500-1 Year Roth IRA
0.30%$500-1 Year Coverdell ESA

Rates updated: 5/22/2013

Data for Q4 2012


Institution Statistics


PACIFIC OAKS
NCUA #5662
BankRate ReportView
Year Chartered1948
Employees56
Primary Regulator

Assets and Liabilities

Assets$293.07 million
Loans$124.78 million
Deposits$266.32 million
Equity Capital$25.52 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$678,000

Historic Data - December 2011

Assets$276.80 million
Equity Capital$25.18 million
Loan Loss Allowance$2.28 million
Unbacked Noncurrent Loans$1.03 million

Profit Margin - Quarterly

Net Interest Margin5.35%
Return on Assets0.12%
Return on Equity1.33%
Interest Income$7.96 million
Non-Interest Income$3.72 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 Pacific Oaks Credit Union had $678,000 in non-current loans and owned real-estate with $27.31 million in equity and loan loss allowances on hand to cover it. This gives Pacific Oaks Credit Union a Texas Ratio of 2.48% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Pacific Oaks Credit Union decreased slightly from 3.75% as of December 31, 2011 to 2.48% as of December 31, 2012, resulting in a positive change of 33.86%.This indicates that the balance sheet and financial strength for Pacific Oaks Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Pacific Oaks Credit Union has increased its total deposits by $15.43 million, resulting in 6.15% 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 Oaks Credit Union has shown is excellent.
Capitalization3
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 Oaks Credit Union has $293.07 million in assets with $27.31 million in equity, resulting in a capitalization level of 9.32%, which is average.
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