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Overview / Commentary
4455 Arden Dr
El Monte, CA 91731

Vons Employees Credit Union is headquartered in El Monte and is the 77th largest credit union in the state of California. It is also the 520th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 94 employees and 41,207 members. Vons Employees Credit Union's CD rates are 11% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must be a Vons employee. Also open to those who live, work, attend school or worship in the areas of El Monte, South El Monte, Monrovia, Irwindale or parts of Temple City or Arcadia. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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 Vons Employees Credit Union had $1.01 million in non-current loans and owned real-estate with $90.92 million in equity and loan loss allowances on hand to cover it. This gives Vons Employees Credit Union a Texas Ratio of 1.11% 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 Vons Employees Credit Union experienced no significant changes from 0.84% as of March 31, 2013 to 1.11% as of March 31, 2014, resulting in a negative change of 32.51%. This indicates that the balance sheet and financial strength for Vons Employees Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Vons Employees Credit Union has increased its total deposits by $13.49 million, resulting in 4.26% 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 Vons Employees Credit Union has shown is excellent.



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. Vons Employees Credit Union has $424.05 million in assets with $90.92 million in equity, resulting in a capitalization level of 21.44%, which is excellent.

Institution Statistics

NCUA #9230
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$424.05 million
Loans$196.64 million
Deposits$330.27 million
Equity Capital$87.21 million
Loan Loss Allowance$3.71 million
Unbacked Noncurrent Loans$1.01 million
Real Estate Owned$0
Historic Data - March 2013
Assets$404.93 million
Equity Capital$81.58 million
Loan Loss Allowance$4.58 million
Unbacked Noncurrent Loans$1.01 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.01%
Return on Equity4.9%
Interest Income$3.50 million

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Vons Employees Credit Union Savings Account Rates

0.10%$2,500-All Savings

Vons Employees Credit Union Money Market Rates

0.20%$1k-Money Market

Vons Employees Credit Union Checking Account Rates

0.10%$5k-Share Draft

Vons Employees Credit Union CD Rates

1.90%$95k-60 Month Jumbo CD
1.00%$95k-12 Month Jumbo Share Certificate
0.75%$10k-6 Month Jumbo Share Certificate

Vons Employees Credit Union IRA Rates

1.90%$95k-60 Month Jumbo Traditional IRA
1.40%$1k$95k5 Year IRA
1.00%$95k-12 Month Jumbo Traditional IRA
0.85%$1k-2 Year IRA
0.55%$1k-18 Month IRA
0.45%$1k-12 Month IRA

Vons Employees Credit Union Locations
Branch Office618 Michillinda AveArcadia, CA 91007
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Branch Office4455 Arden DrEl Monte, CA 91731
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