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 564^th largest credit union in the nation. It was established in 1973 and as of December of 2012, it had grown to 69 employees and 61,233 members. USC Credit Union has a 5-star health rating.

USC Credit Union Checking Account Rates

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USC Credit Union IRA Rates

Data for Q4 2012

Institution Statistics USC NCUA # 68459 BankRate Report View Year Chartered 1973 Employees 69 Primary Regulator Assets and Liabilities Assets $362.85 million Loans $254.30 million Deposits $330.02 million Equity Capital $28.79 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $2.23 million Historic Data - December 2011 Assets $349.16 million Equity Capital $25.76 million Loan Loss Allowance $2.53 million Unbacked Noncurrent Loans $2.95 million Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.83% Return on Equity 10.51% Interest Income $10.62 million Non-Interest Income $5.00 million

Institution Health Overall Score: 5 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, 2012 USC Credit Union had $2.23 million in non-current loans and owned real-estate with $31.1 million in equity and loan loss allowances on hand to cover it. This gives USC Credit Union a Texas Ratio of 7.17% 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 USC Credit Union decreased slightly from 10.41% as of December 31, 2011 to 7.17% as of December 31, 2012, resulting in a positive change of 31.18%.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 $14.85 million, resulting in 4.71% 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 $362.85 million in assets with $31.1 million in equity, resulting in a capitalization level of 8.57%, which is average.

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