Bourns Employees Federal Credit Union

Overview / Commentary

www.bournscu.coop

951-781-5600

1200 Columbia Ave
Riverside, CA 92507

Bourns Employees Federal Credit Union is headquartered in Riverside and is the 196^th largest credit union in the state of California. It is also the 2,334^th largest credit union in the nation. It was established in 1966 and as of December of 2018, it had grown to 11 employees and 4,302 members at 2 locations. Bourns Employees Federal Credit Union's CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees, retirees, corporate or legal entities of Bourns, Inc. and its subsidiaries and other SEG.
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Health

B+

Data as of Q4 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Bourns Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	17415
Year Chartered	1966
Employees	11
Primary Regulator

Profit Margin
Return on Assets - YTD	0.34%
Return on Equity - YTD	2.27%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$49.2MM$46.6MM
Loans	Q4 2018vs Q4 2017	$30.8MM$29.1MM
Deposits	Q4 2018vs Q4 2017	$41.2MM$38.6MM
Equity Capital	Q4 2018vs Q4 2017	$7.4MM$7.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$350.00K$399.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$80.00K$69.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bourns Employees Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$25k^*	-	IRA Savings
OTHER TIERS: 0.35% → $5 - $25k
0.35%^*	$25k^*	-	Share Account
OTHER TIERS: 0.10% → $5 - $5k \| 0.15% → $5k - $25k
0.15%^*	$250^*	-	Youth Club
OTHER TIERS: 0.10% → $5 - $250

Bourns Employees Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.45%^*	$100k^*	-	Money Market
OTHER TIERS: 0.15% → $5 - $2.5k \| 0.30% → $2.5k - $25k \| 0.35% → $25k - $50k \| 0.40% → $50k - $100k

Bourns Employees Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Checking

Bourns Employees Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.84%^*	$100k^*	-	60 Month Share Certificate
OTHER TIERS: 2.68% → $2.5k - $10k \| 2.73% → $10k - $50k \| 2.79% → $50k - $100k
2.63%^*	$100k^*	-	48 Month Share Certificate
OTHER TIERS: 2.47% → $2.5k - $10k \| 2.53% → $10k - $50k \| 2.58% → $50k - $100k
2.53%^*	$100k^*	-	36 Month Share Certificate
OTHER TIERS: 2.37% → $2.5k - $10k \| 2.42% → $10k - $50k \| 2.47% → $50k - $100k
2.32%^*	$100k^*	-	24 Month Share Certificate
OTHER TIERS: 2.17% → $2.5k - $10k \| 2.22% → $10k - $50k \| 2.27% → $50k - $100k
2.07%^*	$100k^*	-	12 Month Share Certificate
OTHER TIERS: 1.92% → $1k - $10k \| 1.97% → $10k - $50k \| 2.02% → $50k - $100k
1.66%^*	$100k^*	-	6 Month Share Certificate
OTHER TIERS: 1.51% → $500 - $10k \| 1.56% → $10k - $50k \| 1.61% → $50k - $100k

Bourns Employees Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.94%^*	$100k^*	-	60 Month IRA Share Certificate
OTHER TIERS: 2.79% → $2.5k - $10k \| 2.84% → $10k - $50k \| 2.89% → $50k - $100k
2.73%^*	$100k^*	-	48 Month IRA Share Certificate
OTHER TIERS: 2.58% → $2.5k - $10k \| 2.63% → $10k - $50k \| 2.68% → $50k - $100k
2.63%^*	$100k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 2.48% → $2.5k - $10k \| 2.53% → $10k - $50k \| 2.58% → $50k - $100k
2.43%^*	$100k^*	-	24 Month IRA Share Certificate
OTHER TIERS: 2.27% → $2.5k - $10k \| 2.32% → $10k - $50k \| 2.38% → $50k - $100k
2.17%^*	$100k^*	-	12 Month IRA Share Certificate
OTHER TIERS: 2.02% → $1k - $10k \| 2.07% → $10k - $50k \| 2.12% → $50k - $100k
1.76%^*	$100k^*	-	6 Month IRA Share Certificate
OTHER TIERS: 1.61% → $500 - $10k \| 1.66% → $10k - $50k \| 1.71% → $50k - $100k

Locations

Bourns Employees Federal Credit Union Locations
Branch Office	1200 Columbia Ave	Riverside, CA 92507
Branch Office	3413 W Beverly Blvd	Montebello, CA 90640

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