L'oreal USA Federal Credit Union

Overview / Commentary

www.lorealusafcu.com

732-499-6679

30 Terminal Ave
Clark, NJ 07066

L'oreal USA Federal Credit Union is headquartered in Clark and is the 64^th largest credit union in the state of New Jersey. It is also the 3,112^th largest credit union in the nation. It was established in 1972 and as of December of 2018, it had grown to 4 employees and 3,373 members at 2 locations. L'oreal USA Federal Credit Union's savings rates are 15% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Must be a L’Oreal employee.
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Health

C+

Data as of Q4 2018

Learn why bank health matters

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

Overall
NCUA #	21109
Year Chartered	1972
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.95%
Return on Equity - YTD	4.24%
Annual Interest Income	$938.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$24.6MM$26.8MM
Loans	Q4 2018vs Q4 2017	$12.3MM$12.8MM
Deposits	Q4 2018vs Q4 2017	$18.9MM$21.4MM
Equity Capital	Q4 2018vs Q4 2017	$5.6MM$5.4MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$129.00K$139.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$258.00K$186.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
CD

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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

APY	MIN	MAX	ACCOUNT NAME
0.60%	-	-	Premier Piggy Bank Account
0.50%	-	-	Piggy Bank Account
0.35%^*	$40k^*	-	Premier Shares
OTHER TIERS: 0.10% → $51 - $3k \| 0.15% → $3k - $10k \| 0.20% → $10k - $40k
0.30%^*	$40k^*	-	Regular Shares
OTHER TIERS: 0.05% → $51 - $3k \| 0.10% → $3k - $10k \| 0.15% → $10k - $40k

L'oreal USA Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	$1k	-	12 Month Premier CD
0.30%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month Premier CD
0.20%	$1k	-	6 Month CD

Locations

L'oreal USA Federal Credit Union Locations
Branch Office	11500 Maybelline Rd	North Little Rock, AR 72117
Branch Office	30 Terminal Ave	Clark, NJ 07066

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