Escondido Federal Credit Union

Overview / Commentary

www.escondidofcu.org

760-839-6225

201 N Broadway
Escondido, CA 92025

Escondido Federal Credit Union is headquartered in Escondido and is the 206^th largest credit union in the state of California. It is also the 2,466^th largest credit union in the nation. It was established in 1959 and as of September of 2019, it had grown to 9 employees and 2,552 members at 2 locations. Escondido Federal Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee or official of the City of Escondido or be an employee of or volunteer for the California Center for the Arts, Escondido.
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Health

Data as of Q3 2019

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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. Escondido Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	13402
Year Chartered	1959
Employees	9
Primary Regulator

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	9.61%
Annual Interest Income	$1.1MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$43.7MM$45.9MM
Loans	Q3 2019vs Q3 2018	$16.3MM$16.5MM
Deposits	Q3 2019vs Q3 2018	$38.2MM$40.8MM
Equity Capital	Q3 2019vs Q3 2018	$5.3MM$4.8MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$165.00K$110.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$18.00K$7.00K
Real Estate Owned	Q3 2019vs Q3 2018	$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.

Escondido Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$100	-	IRA Share Account
0.09%^*	$25k^*	-	Regular Share Savings Account
OTHER TIERS: 0.05% → $50 - $5k \| 0.07% → $5k - $25k
0.09%^*	$25k^*	-	Sub-Share Account
OTHER TIERS: 0.05% → $50 - $5k \| 0.07% → $5k - $25k
0.09%^*	$25k^*	-	Holiday Club Account
OTHER TIERS: 0.05% → $50 - $5k \| 0.07% → $5k - $25k

Escondido Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.14%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.12% → $10k - $25k

Escondido Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$2.5k	-	Share Draft Account

Escondido Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$25k^*	-	36 Month Share Certificate
OTHER TIERS: 0.90% → $1k - $10k \| 0.95% → $10k - $25k
0.75%^*	$25k^*	-	18-24 Month Share Certificate
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $25k
0.45%^*	$25k^*	-	12-17 Month Share Certificate
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $25k
0.30%^*	$25k^*	-	6-11 Month Share Certificate
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $25k

Escondido Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$25k^*	-	36 Month IRA Share Certificate
OTHER TIERS: 0.90% → $1k - $10k \| 0.95% → $10k - $25k
0.75%^*	$25k^*	-	18-24 Month IRA Share Certificate
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $25k
0.45%^*	$25k^*	-	12-17 Month IRA Share Certificate
OTHER TIERS: 0.35% → $1k - $10k \| 0.40% → $10k - $25k
0.30%^*	$25k^*	-	6-11 Month IRA Share Certificate
OTHER TIERS: 0.20% → $1k - $10k \| 0.25% → $10k - $25k

Locations

Escondido Federal Credit Union Locations
Branch Office	201 N Broadway First Floor	Escondido, CA 92025
Branch Office	201 N Broadway	Escondido, CA 92025

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