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Overview / Commentary
310-539-9870
25433 Narbonne Avenue
Lomita, CA 90717

Harbor Area Postal Employees Federal Credit Union is headquartered in Lomita and is the 265th largest credit union in the state of California. It is also the 3,454th largest credit union in the nation. It was established in 1947 and as of September of 2016, it had grown to 3 employees and 1,944 members at 1 location. Harbor Area Postal Employees Federal Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of the US Postal Service or be a merchant in the City of Lomita. Membership is also open to others by calling the credit union.
See current membership details

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Health
B
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. Harbor Area Postal Employees Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #5482
Year Chartered1947
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-0.46%
Return on Equity - YTD-3.89%
Annual Interest Income$405.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$19.8MM$20.1MM
LoansQ3 2016vs Q3 2015$7.8MM$8.0MM
DepositsQ3 2016vs Q3 2015$17.4MM$17.3MM
Equity CapitalQ3 2016vs Q3 2015$2.3MM$2.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$97.00K$116.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$57.00K$14.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Harbor Area Postal Employees Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$50k*-Regular Savings
OTHER TIERS: 0.10% $50 - $5k | 0.20% $5k - $10k | 0.25% $10k - $50k
0.30%--Regular IRA
0.20%--Christmas Club

Harbor Area Postal Employees Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$90k*-1 Year CD
OTHER TIERS: 0.50% $5k - $20k | 0.55% $20k - $90k
0.50%*$90k*-6 Month CD
OTHER TIERS: 0.40% $5k - $20k | 0.45% $20k - $90k

Harbor Area Postal Employees Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$90k*-1 Year IRA
OTHER TIERS: 0.50% $5k - $20k | 0.55% $20k - $90k
0.50%*$90k*-6 Month IRA
OTHER TIERS: 0.40% $5k - $20k | 0.45% $20k - $90k
Locations


Harbor Area Postal Employees Federal Credit Union Locations
Branch Office25433 Narbonne AveLomita, CA 90717