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Overview / Commentary
30 Terminal Ave
Clark, NJ 07066

L'oreal USA Federal Credit Union is headquartered in Clark and is the 64th largest credit union in the state of New Jersey. It is also the 3,073rd largest credit union in the nation. It was established in 1972 and as of December of 2016, it had grown to 4 employees and 3,842 members at 3 locations. L'oreal USA Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a L’Oreal employee.
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. L'oreal USA Federal Credit Union has a low asset base.

Health Grade Components

NCUA #21109
Year Chartered1972
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD0.55%
Annual Interest Income$806.00K
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$26.7MM$25.8MM
LoansQ4 2016vs Q4 2015$13.1MM$13.5MM
DepositsQ4 2016vs Q4 2015$21.4MM$20.5MM
Equity CapitalQ4 2016vs Q4 2015$5.2MM$5.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$162.00K$160.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$261.00K$370.00K
Real Estate OwnedQ4 2016vs Q4 2015$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.

L'oreal USA Federal Credit Union Savings Account Rates

0.60%--Piggy Bank High Yield Savings
0.35%*$40k*-Regular Shares
OTHER TIERS: 0.10% $50 - $3k | 0.15% $3k - $10k | 0.20% $10k - $40k

L'oreal USA Federal Credit Union CD Rates

0.35%$1k-12 Month CD
0.25%$1k-6 Month CD

L'oreal USA Federal Credit Union Locations
Branch Office11500 Maybelline RdNorth Little Rock, AR 72117
Branch Office30 Terminal AveClark, NJ 07066
Branch Office12 E 49th StNew York, NY 10017