USC Credit Union

USC Credit Union is headquartered in Los Angeles and is the 81^st largest credit union in the state of California. It is also the 572^nd largest credit union in the nation. It was established in 1973 and as of March of 2013, it had grown to 60 employees and 61,813 members. USC Credit Union has a 4-star health rating.

USC Credit Union Checking Account Rates

USC Credit Union Savings Account Rates

USC Credit Union Money Market Rates

USC Credit Union CD Rates

USC Credit Union IRA Rates

Data for Q1 2013

Institution Statistics USC NCUA # 68459 BankRate Report View Year Chartered 1973 Employees 60 Primary Regulator Assets and Liabilities Assets $373.65 million Loans $249.71 million Deposits $339.50 million Equity Capital $29.28 million Loan Loss Allowance $2.38 million Unbacked Noncurrent Loans $2.48 million Real Estate Owned $374,000 Historic Data - March 2012 Assets $361.12 million Equity Capital $26.30 million Loan Loss Allowance $2.41 million Unbacked Noncurrent Loans $3.25 million Real Estate Owned $490,000 Profit Margin - Quarterly Net Interest Margin 0.97% Return on Assets 0.53% Return on Equity 6.82% Interest Income $2.51 million Non-Interest Income $1.19 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 March 31, 2013 USC Credit Union had $2.85 million in non-current loans and owned real-estate with $31.66 million in equity and loan loss allowances on hand to cover it. This gives USC Credit Union a Texas Ratio of 9.01% 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 USC Credit Union decreased slightly from 13.01% as of March 31, 2012 to 9.01% as of March 31, 2013, resulting in a positive change of 30.77%.This indicates that the balance sheet and financial strength for USC Credit Union has improved slightly in recent periods. Deposit Growth In the past year, USC Credit Union has increased its total deposits by $11.64 million, resulting in 3.55% 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 USC 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. USC Credit Union has $373.65 million in assets with $31.66 million in equity, resulting in a capitalization level of 8.47%, which is average.

No reviews have been left for this bank yet. Be the first to review.