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Overview / Commentary
325 S Santa Fe Ave
Compton, CA 90221

Mid-Cities Credit Union is headquartered in Compton and is the 254th largest credit union in the state of California. It is also the 3,401st largest credit union in the nation. It was established in 1955 and as of September of 2017, it had grown to 10 employees and 4,894 members at 2 locations. Mid-Cities Credit Union has a C health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in the cities of Compton, Paramount, Carson, Bellflower, Norwalk, Lynwood and North Long Beach (zip code 90805). Membership is also open to employees of Lynwood Unified School District, Compton Unified School District, California State University Dominguez Hills, Paramount Unified School District, El Camino College Compton Center, Charles R Drew University of Medicine & Science.
See current membership details

Reviews (1)

Personal Loan

Posted by: Anonymous | Apr 18, 2012

I recently applied for A Tax Loan Mid Cities offered to help member whom owe on Taxes. The loan was denied because I had a negative credit report, which has recently declined from almost 700 to 630 because I am making payment to Franchise and Federal Taxes. The total is $4,000. So I thought if I paid the taxes I would have $400.00 to pay other bills. Is it not understood if we owe taxes you know that your credit isn't perfect? It's like they dangle a carrot in front of your face but you will never get it.

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. Mid-Cities Credit Union has a low asset base, and a negative return on assets.

Health Grade Components

NCUA #95073
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD-4.55%
Return on Equity - YTD-41.6%
Annual Interest Income$911.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$20.1MM$21.3MM
LoansQ3 2017vs Q3 2016$11.4MM$14.0MM
DepositsQ3 2017vs Q3 2016$17.8MM$17.4MM
Equity CapitalQ3 2017vs Q3 2016$2.3MM$3.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.2MM$809.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$596.00K$600.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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Mid-Cities Credit Union Savings Account Rates

0.45%--IRA Share
0.45%--Roth IRA Share
0.05%--Regular Shares
0.05%--Business Savings

Mid-Cities Credit Union Checking Account Rates

0.50%*$10k*-Checking Account
OTHER TIERS: 0.05% $100 - $10k

Mid-Cities Credit Union CD Rates

0.55%$500-18 Month CD
0.45%$500-12 Month CD
0.30%$500-6 Month CD

Mid-Cities Credit Union IRA Rates

0.55%$500-18 Month IRA
0.45%$500-12 Month IRA
0.35%$500-6 Month IRA

Mid-Cities Credit Union Locations
Branch Office325 S Santa Fe AveCompton, CA 90221
Branch Office727 Kingshill PlCarson, CA 90746-1223