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Bopti Credit Union

Overview
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Bopti Credit Union is a federal credit union based in San Pedro, California. It has been opened since 1955, for 65 years.

With around $71,850,000 in assets, Bopti Credit Union is considered to be a large credit union.

About
Address 1451 S. Seaside Avenue
San Pedro, California 90731
Website http://www.boptifcu.com
Phone (310) 832-0227
Fax (310) 832-0228
CEO Tom O. Morris
President of the Board Sandra White
Services Offered
Map
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Score Card
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65 years
Years in business
Opened in 1955
Well Capitalized
Net worth classification
Source: NCUA
4,914 members
Membership type: Federal, State, Local Government
Average number of members
893:1
Credit union member to staff ratio
893 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$71,847,093
Total assets
Above average
1 branch
Compared with an average of 4 nationally and 5 in California
Average number of branches
1.25%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 5 in California
Average number of branches
Bopti Credit Union Branch Locations

Bopti Credit Union: Main Office
1451 S. Seaside Avenue
San Pedro, California 90731
No ATM
Members
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4,914 members
Membership type: Federal, State, Local Government
Average number of members

With 4,914 members, the Bopti Credit Union is considered to be a medium size credit union. It is larger than 56% of credit unions.

Fees
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$12
Average fee per member
The average fee per member at the Bopti Credit Union is $12, which is low compared to most credit unions. This rate is lower than 79% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Bopti Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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893:1
Credit union member to staff ratio
893 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
6 staff members
FTE (full-time equivalent)
17% of employees are part-time
5 full-time, 1 part-time

Bopti Credit Union has 5 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 83% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Bopti Credit Union has around 893 members per staff, a high ratio compared to other credit unions.

Assets
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$71,847,093
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
17.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$9,436
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 44% of credit unions.

Bopti Credit Union holds a total of $25,270,000 in loans and leases, which is about $9,436 per member on average.

Savings interest rate
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1.25%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Bopti Credit Union pays 1.25%.

Loan rates
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14.11%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.98%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.68%
New car loan rate
Compared to 4.0% nationally
5.11%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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3.80%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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