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Overview / Commentary
12701 Schabarum Ave
Irwindale, CA 91706

SCE Federal Credit Union is headquartered in Irwindale and is the 62nd largest credit union in the state of California. It is also the 363rd largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 155 employees and 48,493 members. SCE Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Anyone is eligible to join. You only need $15 to open your account - $5 goes into your savings and secures your ownership in the Credit Union, and the remaining $10 is a tax-deductible donation to our non-profit SCE FCU Foundation. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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 SCE Federal Credit Union had $5.84 million in non-current loans and owned real-estate with $61.06 million in equity and loan loss allowances on hand to cover it. This gives SCE Federal Credit Union a Texas Ratio of 9.57% 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 SCE Federal Credit Union experienced no significant changes from 8.39% as of March 31, 2013 to 9.57% as of March 31, 2014, resulting in a negative change of 14.01%. This indicates that the balance sheet and financial strength for SCE Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, SCE Federal Credit Union has increased its total deposits by $5.97 million, resulting in 1.11% 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 above 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. SCE Federal Credit Union has $627.04 million in assets with $61.06 million in equity, resulting in a capitalization level of 9.74%, which is above average.

Institution Statistics

NCUA #7835
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$627.04 million
Loans$320.30 million
Deposits$543.75 million
Equity Capital$54.41 million
Loan Loss Allowance$6.65 million
Unbacked Noncurrent Loans$5.84 million
Real Estate Owned$0
Historic Data - March 2013
Assets$625.37 million
Equity Capital$55.40 million
Loan Loss Allowance$8.80 million
Unbacked Noncurrent Loans$5.84 million
Real Estate Owned$68,000
Profit Margin - Quarterly
Net Interest Margin1.34%
Return on Assets1.04%
Return on Equity11.93%
Interest Income$5.63 million

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SCE Federal Credit Union Savings Account Rates

0.20%--Vacation Club Account
0.20%--Holiday Club Account
0.20%--Super Saver
0.20%--Youth Super Saver
0.15%--IRA Savings
0.15%--Roth IRA Savings
0.15%--CESA Savings
0.10%$250-Prime Savings
0.10%--Youth Savings
0.05%--Health Savings Account

SCE Federal Credit Union Money Market Rates

0.40%$100k-Money Market

SCE Federal Credit Union Checking Account Rates

0.25%--Green Checking Account

SCE Federal Credit Union CD Rates

1.71%$1k-60 Month CD
1.12%$1k-48 Month CD
0.85%$1k-36 Month CD
0.55%$1k-24 Month CD
0.45%$1k-18 Month CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month CD
0.25%$1k-91 Day CD

SCE Federal Credit Union IRA Rates

1.71%$1k-60 Month IRA
1.12%$1k-48 Month IRA
0.85%$1k-36 Month IRA
0.55%$1k-24 Month IRA
0.45%$1k-18 Month IRA
0.40%$1k-12 Month IRA
0.30%$1k-6 Month IRA
0.25%$1k-91 Day IRA

SCE Federal Credit Union Locations
Branch Office975 N Haven Ave Ste 100Ontario, CA 91764
Branch Office3200 Mulford AveLynwood, CA 90262
Branch Office1175 Huntington DrDuarte, CA 91010
Branch Office12701 Schabarum AveIrwindale, CA 91706
Branch Office2244 Walnut Grove Ave GO1, 1st FloorRosemead, CA 91770-3714
Branch Office12701 Schabarum AveIrwindale, CA 91706
Branch Office5000 Pacific Coast HwySan Clemente, CA 926740128
Branch Office7155 Lindell Rd # 150Las Vegas, NV 89118
Branch Office1450 W Horizon Ridge Pkwy Ste C102Henderson, NV 89012
Branch Office6475 W Sahara AveLas Vegas, NV 89146