SCE Federal Credit Union

12701 Schabarum Ave
Irwindale, CA 91706
800.866.6474
www.scefcu.org

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SCE Federal Credit Union is headquartered in El Monte and is the 63^rd largest credit union in the state of California. It is also the 361^st largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 147 employees and 46,414 members. SCE Federal Credit Union has a 4-star health rating.

Competitive 5-Year CD Rate at SCE Federal Credit Union in CA & NV - 6/27/2012

SCE Federal Credit Union is offering a competitive rate on its Jumbo 5-year CD and IRA CD. Currently, it has a 1.91% APY for a $100,000 minimum deposit. The rates are lower for smaller deposits. These ...

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

SCE Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$1,500	-	Green Checking Account

SCE Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.20%	$15	-	Vacation Club Account
0.20%	$15	-	Holiday Club Account
0.20%	$15	-	Super Saver
0.20%	$15	-	Youth Super Saver
0.15%	-	-	IRA Savings
0.15%	-	-	Roth IRA Savings
0.15%	-	-	CESA Savings
0.10%	-	-	Prime Savings
0.10%	-	-	Youth Savings
0.05%	-	-	Health Savings Account

SCE Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$100k	-	Money Market

SCE Federal Credit Union CD Rates

Apy	Min	Max	Product
1.55%	$100k	-	60 Month CD
1.17%	$100k	-	48 Month CD
0.80%	$100k	-	36 Month CD
0.60%	$100k	-	24 Month CD
0.50%	$100k	-	18 Month CD
0.45%	$100k	-	12 Month CD
0.35%	$100k	-	6 Month CD
0.25%	$100k	-	91 Day CD

SCE Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.55%	$100k	-	60 Month IRA
1.55%	$100k	-	60 Month Roth IRA
1.55%	$100k	-	60 Month CESA
1.17%	$100k	-	48 Month IRA
1.17%	$100k	-	48 Month Roth IRA
1.17%	$100k	-	48 Month CESA
0.80%	$100k	-	36 Month IRA
0.80%	$100k	-	36 Month Roth IRA
0.80%	$100k	-	36 Month CESA
0.60%	$100k	-	24 Month IRA
0.60%	$100k	-	24 Month Roth IRA
0.60%	$100k	-	24 Month CESA
0.50%	$100k	-	18 Month IRA
0.50%	$100k	-	18 Month Roth IRA
0.50%	$100k	-	18 Month CESA
0.45%	$100k	-	12 Month IRA
0.45%	$100k	-	12 Month Roth IRA
0.45%	$100k	-	12 Month CESA
0.35%	$100k	-	6 Month IRA
0.35%	$100k	-	6 Month Roth IRA
0.35%	$100k	-	6 Month CESA
0.25%	$100k	-	91 Day IRA
0.25%	$100k	-	91 Day Roth IRA
0.25%	$100k	-	91 Day CESA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

SCE
NCUA #	7835
BankRate Report	View
Year Chartered	1952
Employees	147
Primary Regulator
Assets and Liabilities
Assets	$583.83 million
Loans	$310.29 million
Deposits	$497.96 million
Equity Capital	$55.29 million
Loan Loss Allowance	$9.18 million
Unbacked Noncurrent Loans	$5.88 million
Real Estate Owned	$122,000
Historic Data - December 2011
Assets	$502.67 million
Equity Capital	$48.19 million
Loan Loss Allowance	$10.21 million
Unbacked Noncurrent Loans	$4.71 million
Profit Margin - Quarterly
Net Interest Margin	5.86%
Return on Assets	0.88%
Return on Equity	9.31%
Interest Income	$24.31 million
Non-Interest Income	$10.11 million

Institution Health

Overall Score:

4 out of 5

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, 2012 SCE Federal Credit Union had $6 million in non-current loans and owned real-estate with $64.47 million in equity and loan loss allowances on hand to cover it. This gives SCE Federal Credit Union a Texas Ratio of 9.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for SCE Federal Credit Union held steady from 8.06% as of December 31, 2011 to 9.31% as of December 31, 2012, resulting in a negative change of 15.55%. This indicates that the balance sheet and financial strength for SCE Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, SCE Federal Credit Union has increased its total deposits by $72.41 million, resulting in 17.01% 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 SCE Federal Credit Union has shown is excellent.
Capitalization
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. SCE Federal Credit Union has $583.83 million in assets with $64.47 million in equity, resulting in a capitalization level of 11.04%, which is above average.