Overview / Commentary
24000 Avila Rd # U120
Laguna Niguel, CA 92677-3401

FedONE Federal Credit Union is headquartered in Laguna Niguel and is the 253rd largest credit union in the state of California. It is also the 3,473rd largest credit union in the nation. It was established in 1961 and as of December of 2018, it had grown to 5 employees and 2,093 members at 2 locations. FedONE Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to federal employees or contractors working in California, Arizona, Nevada, Hawaii, Guam or Mariana Islands.
See current membership details


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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. FedONE Federal Credit Union has a low asset base, and a negative return on assets.

Health Grade Components

NCUA #14631
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD-3.85%
Return on Equity - YTD-46.94%
Annual Interest Income$625.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$17.8MM$19.3MM
LoansQ4 2018vs Q4 2017$6.9MM$6.3MM
DepositsQ4 2018vs Q4 2017$16.3MM$17.0MM
Equity CapitalQ4 2018vs Q4 2017$1.5MM$2.3MM
Loan Loss AllowanceQ4 2018vs Q4 2017$779.00K$75.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$83.00K$213.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

FedONE Federal Credit Union Savings Account Rates

0.40%--IRA Savings
0.25%*$10k*-Regular Share Savings Account
OTHER TIERS: 0.15% $25 - $10k
0.25%--Christmas Club Account
0.25%--Vacation Club Account
0.25%*$10k*-Sub-Savings Account
OTHER TIERS: 0.15% $25 - $10k

FedONE Federal Credit Union Locations
Branch Office300 N Los Angeles StLos Angeles, CA 90012
Branch Office24000 Avila Rd # U120Laguna Niguel, CA 92677-3401

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