CarePoint Federal Credit Union

CarePoint Federal Credit Union Locations

1140 N. Gilbert St.
Anaheim, CA 92801
www.carepointcu.org

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CarePoint Federal Credit Union is headquartered in ANAHEIM and is the 226^th largest credit union in the state of California. It is also the 2,459^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 14 employees and 10,623 members. CarePoint Federal Credit Union has a 3-star health rating.

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

CarePoint Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.08%	$100	-	IRA Share Account
0.08%	$100	-	Roth IRA Share Account
0.05%	$100	-	Regular Share Savings Account

CarePoint Federal Credit Union Money Market Rates

Apy	Min	Max	Product
0.20%	$25k	-	Money Market Account
0.20%	$25k	-	Money Market Plus Account

CarePoint Federal Credit Union CD Rates

Apy	Min	Max	Product
1.06%	$50k	-	60 Month Jumbo Share Certificate
0.95%	$1k	-	60 Month Share Certificate
0.75%	$5k	-	36 Month CD Special
0.65%	$50k	-	24 Month Jumbo Share Certificate
0.55%	$1k	-	24 Month Share Certificate
0.50%	$50k	-	12 Month Jumbo Share Certificate
0.45%	$2k	-	13 Month CD Special
0.40%	$1k	-	12 Month Share Certificate
0.35%	$1k	-	12 Month Special Saver Add-On CD
0.30%	$50k	-	6 Month Jumbo Share Certificate
0.25%	$2k	-	7 Month CD Special
0.25%	$50k	-	3 Month Jumbo Share Certificate
0.20%	$1k	-	6 Month Share Certificate
0.15%	$1k	-	3 Month Share Certificate

CarePoint Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.06%	$50k	-	60 Month Jumbo IRA
1.06%	$50k	-	60 Month Jumbo Roth IRA
0.95%	$1k	-	60 Month IRA
0.95%	$1k	-	60 Month Roth IRA
0.75%	$5k	-	36 Month IRA Special
0.75%	$5k	-	36 Month Roth IRA Special
0.65%	$50k	-	24 Month Jumbo IRA
0.65%	$50k	-	24 Month Jumbo Roth IRA
0.55%	$1k	-	24 Month IRA
0.55%	$1k	-	24 Month Roth IRA
0.50%	$50k	-	12 Month Jumbo IRA
0.50%	$50k	-	12 Month Jumbo Roth IRA
0.45%	$2k	-	13 Month IRA Special
0.45%	$2k	-	13 Month Roth IRA Special
0.40%	$1k	-	12 Month IRA
0.40%	$1k	-	12 Month Roth IRA
0.35%	$1k	-	12 Month Special Saver Add-On IRA
0.35%	$1k	-	12 Month Special Saver Add-On Roth IRA
0.30%	$50k	-	6 Month Jumbo IRA
0.30%	$50k	-	6 Month Jumbo Roth IRA
0.25%	$50k	-	3 Month Jumbo IRA
0.25%	$2k	-	7 Month IRA Special
0.25%	$50k	-	3 Month Jumbo Roth IRA
0.25%	$2k	-	7 Month Roth IRA Special
0.20%	$1k	-	6 Month IRA
0.20%	$1k	-	6 Month Roth IRA
0.15%	$1k	-	3 Month IRA
0.15%	$1k	-	3 Month Roth IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

CAREPOINT
NCUA #	17747
BankRate Report	View
Year Chartered	1966
Employees	14
Primary Regulator
Assets and Liabilities
Assets	$42.58 million
Loans	$28.19 million
Deposits	$38.31 million
Equity Capital	$3.91 million
Loan Loss Allowance	$1.24 million
Unbacked Noncurrent Loans	$884,000
Historic Data - December 2010
Assets	$44.34 million
Equity Capital	$3.59 million
Loan Loss Allowance	$1.32 million
Unbacked Noncurrent Loans	$522,000
Profit Margin - Quarterly
Net Interest Margin	8.01%
Return on Assets	0.73%
Return on Equity	7.96%
Interest Income	$2.62 million
Non-Interest Income	$1.02 million

Institution Health

Overall Score:

3 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, 2011 CarePoint Federal Credit Union had $884,000 in non-current loans and owned real-estate with $5.14 million in equity and loan loss allowances on hand to cover it. This gives CarePoint Federal Credit Union a Texas Ratio of 17.20% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for CarePoint Federal Credit Union increased slightly from 10.62% as of December 31, 2010 to 17.20% as of December 31, 2011, resulting in a negative change of 61.94%. This indicates that the balance sheet and financial strength for CarePoint Federal Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, CarePoint Federal Credit Union has decreased its total deposits by -$2.05 million, resulting in -5.07% 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 CarePoint Federal Credit Union has shown is poor.
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. CarePoint Federal Credit Union has $42.58 million in assets with $5.14 million in equity, resulting in a capitalization level of 12.07%, which is excellent.

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