L'oreal USA Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
0.60%	Savings	Piggy Bank Account 1.20% - Goldman Sachs Bank USA Online Savings
0.35%	1-year CD	12 Month CD 1.40% - Synchrony Bank 12 Month CD
0.35%	Savings	Regular Shares 1.20% - Synchrony Bank High Yield Savings

View all L'oreal USA Federal Credit Union rates »

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 62^nd largest credit union in the state of New Jersey. It is also the 3,049^th largest credit union in the nation. It was established in 1972 and as of March of 2017, it had grown to 4 employees and 3,803 members at 3 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.
See current membership details

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Health

B+

Data as of Q1 2017

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	0.51%
Return on Equity - YTD	2.66%
Annual Interest Income	$207.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$27.8MM$26.2MM
Loans	Q1 2017vs Q1 2016	$12.9MM$13.3MM
Deposits	Q1 2017vs Q1 2016	$22.5MM$20.9MM
Equity Capital	Q1 2017vs Q1 2016	$5.3MM$5.2MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$150.00K$105.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$153.00K$287.00K
Real Estate Owned	Q1 2017vs Q1 2016	$0$0

Rates

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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%	-	-	Piggy Bank Account
0.35%^*	$40k^*	-	Regular Shares
OTHER TIERS: 0.10% → $50 - $3k \| 0.15% → $3k - $10k \| 0.20% → $1k - $40k

L'oreal USA Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$1k	-	12 Month CD
0.25%	$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
Branch Office	12 E 49th St	New York, NY 10017