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Overview / Commentary
213-821-7100
3720 S Flower St FL 4
Los Angeles, CA 90007

USC Credit Union is headquartered in Los Angeles and is the 81st largest credit union in the state of California. It is also the 566th largest credit union in the nation. It was established in 1973 and as of March of 2014, it had grown to 69 employees and 62,583 members. USC Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee, facuty, staff, student or alumni of the University of Southern California. Also open to those who live, work, attend school or worship in the City of Los Angeles, California. - See Details

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Health

Data for Q1 2014

Institution Health

A

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 USC Credit Union had $1.2 million in non-current loans and owned real-estate with $33.37 million in equity and loan loss allowances on hand to cover it. This gives USC Credit Union a Texas Ratio of 3.61% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for USC Credit Union decreased dramatically from 9.01% as of March 31, 2013 to 3.61% as of March 31, 2014, resulting in a positive change of 59.90%.This indicates that the balance sheet and financial strength for USC Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A

In the past year, USC Credit Union has increased its total deposits by $14.83 million, resulting in 4.37% 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 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. USC Credit Union has $390.69 million in assets with $33.37 million in equity, resulting in a capitalization level of 8.54%, which is average.

Institution Statistics

Overall
NCUA #68459
Year Chartered1973
Employees69
Primary Regulator
Assets and Liabilities
Assets$390.69 million
Loans$248.26 million
Deposits$354.33 million
Equity Capital$31.25 million
Loan Loss Allowance$2.13 million
Unbacked Noncurrent Loans$1.21 million
Real Estate Owned$0
Historic Data - March 2013
Assets$373.65 million
Equity Capital$29.28 million
Loan Loss Allowance$2.38 million
Unbacked Noncurrent Loans$1.21 million
Real Estate Owned$374,000
Profit Margin - Quarterly
Net Interest Margin0.83%
Return on Assets0.77%
Return on Equity9.68%
Interest Income$2.45 million
Rates

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

USC Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$25-Regular Share
0.15%$25-Club Rates
0.15%$1k-IRA
0.15%--Business Savings Rates

USC Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$100k-Money Market Rates
0.40%$10k-Value+ Money Market Rates
0.25%$25k-Business Money Market Account

USC Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$2,500-Trojan Checking
0.05%$750-Gold Checking

USC Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.55%$1k-60 Month CD
1.30%$1k-48 Month CD
1.00%$1k-36 Month CD
0.75%$1k-24 Month CD
0.50%$1k-12 Month CD
0.40%$1k-6 Month CD
0.30%$1k-3 Month CD

USC Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.55%$1k-60 Month IRA
1.30%$1k-48 Month IRA
1.00%$1k-36 Month IRA
0.75%$1k-24 Month IRA
0.50%$1k-12 Month IRA
Locations


USC Credit Union Locations
Branch Office3601 Trousdale Pkwy Ste 106Los Angeles, CA 90089
Branch Office3720 S Flower St FL 1Los Angeles, CA 90007
Branch Office1969 Zonal Ave Ste 101BLos Angeles, CA 90033
Branch Office3720 S Flower St FL 4Los Angeles, CA 90007