Universal City Studios Credit Union

Universal City Studios Credit Union Locations

90 Universal City Plaza
Universal City, CA 91608
(818) 777-1295
www.ucscu.org

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Universal City Studios Credit Union is headquartered in Universal City and is the 188^th largest credit union in the state of California. It is also the 1,921^st largest credit union in the nation. It was established in 1927 and as of December of 2011, it had grown to 14 employees and 6,149 members. Universal City Studios Credit Union has a 4-star health rating.

5.50% 14-Month CD Continues at Universal City Studios Credit Union in California. - 12/13/2007

Update 12/29/07: This 5.50% CD special is no longer listed at the credit union's website.Universal City Studios Credit Union is still offering a special 5.50% APY 14-month share certificate (see rate table). The minimum deposit is $50,000. A yield of...

5.50% 14-Month CD at a California CU (Universal City Studios) - 11/6/2007

Universal City Studios Credit Union is offering a special 5.50% APY 14-month share certificate (see pdf rate table). The minimum deposit is $50,000. A yield of 5.20% APY is available for a $500 minimum. This special CD has a rate bump feature, but with...

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

Universal City Studios Credit Union Checking Account Rates

Apy	Min	Max	Product
0.25%	$10k	-	Money Fund 9
0.20%	$2,500	-	Money Fund 5
0.15%	$100	-	Premier Share Draft
0.10%	$100	-	Celebrity Share Draft

Universal City Studios Credit Union Savings Account Rates

Apy	Min	Max	Product
0.35%	$100	-	Holiday Club
0.25%	$100	-	IRA
0.15%	$100	-	Regular Share

Universal City Studios Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$50k	-	Celebrity Money Market

Universal City Studios Credit Union CD Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
0.80%	$500	-	3 Year IRA
0.80%	$500	-	3 Year Roth IRA
0.80%	$500	-	3 Year CESA
0.60%	$500	-	2 Year IRA
0.60%	$500	-	2 Year Roth IRA
0.60%	$500	-	2 Year CESA
0.40%	$1k	-	1 Year IRA
0.40%	$1k	-	1 Year Roth IRA
0.40%	$1k	-	1 Year CESA

Rates updated: 5/27/2012 * Not all products updated

Data for Q4 2011

Institution Statistics

UNIVERSAL CITY STUDIOS
NCUA #	64893
BankRate Report	View
Year Chartered	1927
Employees	14
Primary Regulator
Assets and Liabilities
Assets	$64.13 million
Loans	$45.59 million
Deposits	$52.83 million
Equity Capital	$4.52 million
Loan Loss Allowance	$556,000
Unbacked Noncurrent Loans	$260,000
Real Estate Owned	$361,000
Historic Data - December 2010
Assets	$63.08 million
Equity Capital	$4.59 million
Loan Loss Allowance	$743,000
Unbacked Noncurrent Loans	$731,000
Real Estate Owned	$605,000
Profit Margin - Quarterly
Net Interest Margin	5.43%
Return on Assets	0.64%
Return on Equity	9.11%
Interest Income	$2.74 million
Non-Interest Income	$1.74 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, 2011 Universal City Studios Credit Union had $621,000 in non-current loans and owned real-estate with $5.08 million in equity and loan loss allowances on hand to cover it. This gives Universal City Studios Credit Union a Texas Ratio of 12.22% 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 Universal City Studios Credit Union decreased significantly from 25.07% as of December 31, 2010 to 12.22% as of December 31, 2011, resulting in a positive change of 51.24%.This indicates that the balance sheet and financial strength for Universal City Studios Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Universal City Studios Credit Union has increased its total deposits by $1.18 million, resulting in 2.28% 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 above average.
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. Universal City Studios Credit Union has $64.13 million in assets with $5.08 million in equity, resulting in a capitalization level of 7.92%, which is below average.