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818-777-1295
175 E Olive Avenue
Burbank, CA 91502

Universal City Studios Credit Union is headquartered in Burbank and is the 177th largest credit union in the state of California. It is also the 1,899th largest credit union in the nation. It was established in 1927 and as of March of 2014, it had grown to 14 employees and 5,951 members. Universal City Studios Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee or retiree of Universal Studios, any subsidiary company or affiliated division. Also open to those who live, work, worship or attend school in San Fernando Valley or West Los Angeles Corridor. - See Details

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Health

Data for Q1 2014

Institution Health

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

Texas Ratio

GRADE:
A+

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 Universal City Studios Credit Union had $253,000 in non-current loans and owned real-estate with $5.74 million in equity and loan loss allowances on hand to cover it. This gives Universal City Studios Credit Union a Texas Ratio of 4.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Universal City Studios Credit Union experienced no significant changes from 1.90% as of March 31, 2013 to 4.41% as of March 31, 2014, resulting in a negative change of 132.13%. This indicates that the balance sheet and financial strength for Universal City Studios Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Universal City Studios Credit Union has increased its total deposits by $3.71 million, resulting in 6.79% 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 Universal City Studios Credit Union has shown is excellent.

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. Universal City Studios Credit Union has $70.43 million in assets with $5.74 million in equity, resulting in a capitalization level of 8.15%, which is average.

Institution Statistics

Overall
NCUA #64893
Year Chartered1927
Employees14
Primary Regulator
Assets and Liabilities
Assets$70.43 million
Loans$48.05 million
Deposits$58.32 million
Equity Capital$5.39 million
Loan Loss Allowance$351,000
Unbacked Noncurrent Loans$253,000
Real Estate Owned$0
Historic Data - March 2013
Assets$66.43 million
Equity Capital$4.94 million
Loan Loss Allowance$382,000
Unbacked Noncurrent Loans$253,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.25%
Return on Assets1.58%
Return on Equity20.7%
Interest Income$635,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Universal City Studios Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Universal City Studios Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%$100-Holiday Club
0.15%$100-Regular Share
0.15%$100-IRA

Universal City Studios Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Celebrity Money Market

Universal City Studios Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$10k-Money Fund 9
0.20%$2,500-Money Fund 5
0.10%$100-Celebrity Share Draft
0.10%$100-Premier Share Draft

Universal City Studios Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.90%$50k-36 Month CD
0.70%$50k-24 Month CD
0.50%$50k-12 Month CD
0.35%$50k-6 Month CD
0.30%$50k-3 Month CD

Universal City Studios Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.80%$500-3 Year IRA
0.60%$500-2 Year IRA
0.40%$1k-1 Year IRA
Locations


Universal City Studios Credit Union Locations
Branch Office90 Universal City PlzUniversal City, CA 91608-1002
Branch Office175 E Olive AveBurbank, CA 91502-1823