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Overview / Commentary
501 West 190th Street
Gardena, CA 90248

Pacific Transportation Credit Union is headquartered in Gardena and is the 174th largest credit union in the state of California. It is also the 1,831st largest credit union in the nation. It was established in 1939 and as of December of 2013, it had grown to 22 employees and 7,850 members. Pacific Transportation Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a member of the Pasadena Model Railroad Club. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Pacific Transportation Credit Union has a relatively low asset base.

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 Transportation Credit Union had $1.24 million in non-current loans and owned real-estate with $13.13 million in equity and loan loss allowances on hand to cover it. This gives Pacific Transportation Credit Union a Texas Ratio of 9.47% 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 Transportation Credit Union decreased dramatically from 16.12% as of December 31, 2012 to 9.47% as of December 31, 2013, resulting in a positive change of 41.25%.This indicates that the balance sheet and financial strength for Pacific Transportation Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Transportation Credit Union has decreased its total deposits by -$1.82 million, resulting in -2.95% 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 Transportation 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 Transportation Credit Union has $72.53 million in assets with $13.13 million in equity, resulting in a capitalization level of 18.10%, which is excellent.

Institution Statistics

NCUA #3378
Year Chartered1939
Primary Regulator
Assets and Liabilities
Assets$72.53 million
Loans$34.15 million
Deposits$59.88 million
Equity Capital$12.24 million
Loan Loss Allowance$884,000
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$0
Historic Data - December 2012
Assets$75.13 million
Equity Capital$12.97 million
Loan Loss Allowance$1.48 million
Unbacked Noncurrent Loans$1.24 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.92%
Return on Assets0.03%
Return on Equity0.19%
Interest Income$2.51 million
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Pacific Transportation Credit Union Savings Account Rates

0.30%$100k-Elite Money Manager
0.15%$25-Prime Share
0.15%--Holiday Club
0.15%--Health Savings Account

Pacific Transportation Credit Union Checking Account Rates

0.10%$25-Share Draft (Checking)

Pacific Transportation Credit Union CD Rates

1.25%$50k-4 Year Share Certificate
1.00%$50k-3 Year Share Certificate
0.70%$50k-2 Year Share Certificate
0.50%$50k-1 Year Share Certificate
0.30%$50k-6 Month Share Certificate
0.15%$1k-3 Month Share Certificate

Pacific Transportation Credit Union IRA Rates

1.25%$50k-4 Year IRA Certificate (Traditional,Roth,CESA)
1.00%$50k-3 Year IRA Certificate (Traditional,Roth,CESA)
0.70%$50k-2 Year IRA Certificate (Traditional,Roth,CESA)
0.50%$50k-1 Year IRA Certificate (Traditional,Roth,CESA)
0.30%$50k-6 Month IRA Certificate (Traditional,Roth,CESA)
0.15%$1k-3 Month IRA Certificate (Traditional,Roth,CESA)

Pacific Transportation Credit Union Locations
Branch Office2401 E Sepulveda BlvdLong Beach, CA 90810
Branch Office505 S Myrtle Ave Ste AMonrovia, CA 91016
Branch Office1027 Santo Antonio Dr Ste AColton, CA 92324
Branch Office501 W 190th StGardena, CA 90248