2. L'oreal USA Federal Credit Union

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 63rd largest credit union in the state of New Jersey. It is also the 3,087th largest credit union in the nation. It was established in 1972 and as of September of 2018, it had grown to 4 employees and 3,474 members at 2 locations. L'oreal USA Federal Credit Union's savings rates are 15% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be a L’Oreal employee.
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Health
B

Data as of Q3 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 Chartered1972
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD0.94%
Return on Equity - YTD4.37%
Annual Interest Income$704.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$25.6MM$26.4MM
LoansQ3 2018vs Q3 2017$12.8MM$12.9MM
DepositsQ3 2018vs Q3 2017$20.0MM$21.0MM
Equity CapitalQ3 2018vs Q3 2017$5.6MM$5.3MM
Loan Loss AllowanceQ3 2018vs Q3 2017$135.00K$149.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$279.00K$280.00K
Real Estate OwnedQ3 2018vs Q3 2017$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.

L'oreal USA Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office11500 Maybelline RdNorth Little Rock, AR 72117
Branch Office30 Terminal AveClark, NJ 07066

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