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Overview / Commentary
805-384-1100
761 E DAILY DR STE 200
CAMARILLO, CA 93010

Pacific Oaks Credit Union is headquartered in CAMARILLO and is the 95th largest credit union in the state of California. It is also the 694th largest credit union in the nation. It was established in 1948 and as of March of 2014, it had grown to 54 employees and 20,828 members. Pacific Oaks Credit Union has a B+ health rating.

Field of Membership Restrictions

Anyone who lives, works, worships or attends school in Ventura County is eligible to join Pacific Oaks Federal Credit Union. - See Details

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pacific Oaks Credit Union had $576,000 in non-current loans and owned real-estate with $26.94 million in equity and loan loss allowances on hand to cover it. This gives Pacific Oaks Credit Union a Texas Ratio of 2.14% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Pacific Oaks Credit Union experienced no significant changes from 1.83% as of March 31, 2013 to 2.14% as of March 31, 2014, resulting in a negative change of 17.05%. This indicates that the balance sheet and financial strength for Pacific Oaks Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, Pacific Oaks Credit Union has increased its total deposits by $1.19 million, resulting in 0.43% 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 above average.

Capitalization

GRADE:
C

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 $302.81 million in assets with $26.94 million in equity, resulting in a capitalization level of 8.89%, which is average.

Institution Statistics

Overall
NCUA #5662
Year Chartered1948
Employees54
Primary Regulator
Assets and Liabilities
Assets$302.81 million
Loans$129.56 million
Deposits$274.51 million
Equity Capital$25.99 million
Loan Loss Allowance$949,000
Unbacked Noncurrent Loans$576,000
Real Estate Owned$0
Historic Data - March 2013
Assets$299.86 million
Equity Capital$25.68 million
Loan Loss Allowance$1.63 million
Unbacked Noncurrent Loans$576,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets0.12%
Return on Equity1.42%
Interest Income$1.76 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Pacific Oaks Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Pacific Oaks Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Share
0.05%$100-Custom Club Savings

Pacific Oaks Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Money Market

Pacific Oaks Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Platinum Checking

Pacific Oaks Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.95%$1k-5 Year Share Certificate
0.70%$1k-4 Year Share Certificate
0.55%$1k-3 Year Share Certificate
0.40%$1k-2 Year Share Certificate
0.30%$1k-1 Year Share Certificate
0.20%$1k-6 Month Share Certificate
0.15%$1k-3 Month Share Certificate

Pacific Oaks Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.95%$500-5 Year IRA Certificate
0.70%$500-4 Year IRA Certificate
0.55%$500-3 Year IRA Certificate
0.40%$500-2 Year IRA Certificate
0.30%$500-1 Year IRA Certificate
Locations


Pacific Oaks Credit Union Locations
Branch Office6633 TELEPHONE RD STE 110VENTURA, CA 93003
Branch Office1651 E CHANNEL ISLANDS BLVDOXNARD, CA 93033
Branch Office761 E DAILY DR STE 200CAMARILLO, CA 93010
Branch Office761 E DAILY DR STE 100CAMARILLO, CA 93010
Branch Office1921 N Oxnard BlvdOXNARD, CA 93036
Branch Office3366 E THOUSAND OAKS BLVDTHOUSAND OAKS, CA 91362