USC Credit Union

USC Credit Union is headquartered in Los Angeles and is the 79^th largest credit union in the state of California. It is also the 556^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 59 employees and 57,975 members. USC Credit Union has a 4-star health rating.

USC Credit Union Savings Account Rates

USC Credit Union Money Market Rates

USC Credit Union CD Rates

USC Credit Union IRA Rates

Data for Q4 2011

Institution Statistics USC NCUA # 68459 BankRate Report View Year Chartered 1973 Employees 59 Primary Regulator Assets and Liabilities Assets $349.16 million Loans $289.45 million Deposits $315.17 million Equity Capital $25.76 million Loan Loss Allowance $2.53 million Unbacked Noncurrent Loans $2.95 million Historic Data - December 2010 Assets $328.97 million Equity Capital $24.77 million Loan Loss Allowance $2.55 million Unbacked Noncurrent Loans $2.68 million Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.28% Return on Equity 3.83% Interest Income $10.84 million Non-Interest Income $3.76 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 USC Credit Union had $2.95 million in non-current loans and owned real-estate with $28.29 million in equity and loan loss allowances on hand to cover it. This gives USC Credit Union a Texas Ratio of 10.41% 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 held steady from 9.81% as of December 31, 2010 to 10.41% as of December 31, 2011, resulting in a negative change of 6.14%. This indicates that the balance sheet and financial strength for USC Credit Union has held steady in recent periods. Deposit Growth In the past year, USC Credit Union has increased its total deposits by $22.6 million, resulting in 7.72% 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 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 $349.16 million in assets with $28.29 million in equity, resulting in a capitalization level of 8.10%, which is average.

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