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Overview / Commentary
323-728-1866
4333 Orange St Ste 100
Riverside, CA 92501

Printing Industries Credit Union is headquartered in Riverside and is the 261st largest credit union in the state of California. It is also the 3,289th largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 5 employees and 5,545 members. Printing Industries Credit Union has a C- health rating.

Field of Membership Restrictions

Membership is available to employees of PIASC, PINC and PIASD open-shop firms. - See Details

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Health

Data for Q4 2013

Institution Health

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

Texas Ratio

GRADE:
C+

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 Printing Industries Credit Union had $510,000 in non-current loans and owned real-estate with $2.02 million in equity and loan loss allowances on hand to cover it. This gives Printing Industries Credit Union a Texas Ratio of 25.20% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Printing Industries Credit Union increased slightly from 18.99% as of December 31, 2012 to 25.20% as of December 31, 2013, resulting in a negative change of 32.67%. This indicates that the balance sheet and financial strength for Printing Industries Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Printing Industries Credit Union has decreased its total deposits by -$1.48 million, resulting in -6.42% 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 Printing Industries Credit Union has shown is below 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. Printing Industries Credit Union has $23.45 million in assets with $2.02 million in equity, resulting in a capitalization level of 8.63%, which is average.

Institution Statistics

Overall
NCUA #64826
Year Chartered1957
Employees5
Primary Regulator
Assets and Liabilities
Assets$23.45 million
Loans$20.51 million
Deposits$21.56 million
Equity Capital$1.28 million
Loan Loss Allowance$749,000
Unbacked Noncurrent Loans$510,000
Real Estate Owned$0
Historic Data - December 2012
Assets$24.60 million
Equity Capital$1.11 million
Loan Loss Allowance$799,000
Unbacked Noncurrent Loans$510,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.02%
Return on Assets0.71%
Return on Equity13.1%
Interest Income$1.31 million
Rates
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Printing Industries Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%--Looney Tunes Kids Club
0.30%$50-IRA Savings
0.10%$250-Holiday Club
0.05%$5k-Savings Account
0.05%$5k-Membership Shares
0.05%$5k-Minor Account

Printing Industries Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Premium Checking

Printing Industries Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.60%$2k-36 Month Small Saver Certificate
0.60%$10k-36 Month T-Bill Certificate
0.60%$95k-36 Month Jumbo Certificate
0.35%$2k-24 Month Small Saver Certificate
0.35%$10k-24 Month T-Bill Certificate
0.35%$95k-24 Month Jumbo Certificate
0.25%$2k-12 Month Small Saver Certificate
0.25%$10k-12 Month T-Bill Certificate
0.25%$95k-12 Month Jumbo Certificate
0.20%$2k-6 Month Small Saver Certificate
0.20%$10k-6 Month T-Bill Certificate
0.20%$95k-6 Month Jumbo Certificate
0.10%$500-18 Month Introductory Certificate
0.05%$2k-3 Month Small Saver Certificate

Printing Industries Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.36%$1k-60 Month IRA
1.10%$1k-48 Month IRA
0.75%$1k-36 Month IRA
0.50%$1k-24 Month IRA
0.25%$1k-12 Month IRA
Locations


Printing Industries Credit Union Locations
Branch Office4333 Orange St Ste 100Riverside, CA 92501
Branch Office5800 S Eastern Ave Suite 250Commerce, CA 90040