Organized Labor Credit Union

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1.40% APY

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1.15% APY

Overview / Commentary

www.olcu.org

209-527-8731

2112 McHenry Ave
Modesto, CA 95350

Organized Labor Credit Union is headquartered in Modesto and is the 251^st largest credit union in the state of California. It is also the 3,298^th largest credit union in the nation. It was established in 1974 and as of March of 2017, it had grown to 4 employees and 3,699 members at 1 location. Organized Labor Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to union members and retirees of locals in Alameda, Placer, Amador, Nevada, Butte, Sacramento, San Joaquin, Calaveras, Contra Costa, Tuolumne, Stanislaus, Madera, Mariposa, Yolo, Yuba, or Merced Counties in California.
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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. Organized Labor Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	61942
Year Chartered	1974
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.18%
Return on Equity - YTD	-2.35%
Annual Interest Income	$129.00K

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$22.5MM$20.7MM
Loans	Q1 2017vs Q1 2016	$6.5MM$5.7MM
Deposits	Q1 2017vs Q1 2016	$20.7MM$19.0MM
Equity Capital	Q1 2017vs Q1 2016	$1.7MM$1.7MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$53.00K$90.00K
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$12.00K$9.00K
Real Estate Owned	Q1 2017vs Q1 2016	$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.

Organized Labor Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%	-	-	IRA Share Account
0.05%^*	$20k^*	-	Regular Share
OTHER TIERS: 0.01% → $50 - $1k \| 0.03% → $1k - $20k
0.05%	-	-	Club Accounts

Organized Labor Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	$500	-	Share Draft Account

Locations

Organized Labor Credit Union Locations
Branch Office	2112 McHenry Ave	Modesto, CA 95350