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I.L.W.U. Credit Union
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I.L.W.U. Credit Union Share
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Overview Share
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I.L.W.U. Credit Union is a federally insured state credit union based in Wilmington, California. It has been opened since 1972, for 50 years.

With around $266,080,000 in assets, I.L.W.U. Credit Union is considered to be a very large credit union. It has 3 branches and 2 ATM locations.

About Share
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Address 1134 North Avalon Boulevard
Wilmington, California 90744
Website http://www.ilwucu.org
Phone (310) 834-6411
Fax (310) 241-7231
CEO Ralph E. Ruiz
President of the Board Peter Ciaramitaro
Services Offered
Score Card Share
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50 years
Years in business
Opened in 1972
Well Capitalized
Net worth classification
Source: NCUA
21,084 members
Membership type: State chartered natural person credit union
Above average number of members
435:1
Credit union member to staff ratio
435 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$266,080,851
Total assets
Above average
3 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
9.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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3 branches
Compared with an average of 4 nationally and 5 in California
Above average number of branches
I.L.W.U. Credit Union Branch Locations

I.L.W.U. Credit Union: Oakland Branch
95 Linden Street Suite 12
Oakland, California 94607
No ATM
I.L.W.U. Credit Union: San Pedro Branch
860 North Western Avenue
San Pedro, California 90732
ATM Available
I.L.W.U. Credit Union: Ilwu Credit Union
1134 North Avalon Boulevard
Wilmington, California 90744
ATM Available
Members Share
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21,084 members
Membership type: State chartered natural person credit union
Above average number of members

With 21,084 members, the I.L.W.U. Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 82% of credit unions.

Fees Share
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$120
Average fee per member
The average fee per member at the I.L.W.U. Credit Union is $120, which is very high compared to most credit unions. This rate is higher than 91% of all credit unions.
Fees are higher 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 I.L.W.U. Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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435:1
Credit union member to staff ratio
435 per each FTE employee
Compared to 411:1 nationally
Fewer staff
48 staff members
FTE (full-time equivalent)
2% of employees are part-time
48 full-time, 1 part-time

I.L.W.U. Credit Union has 48 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 98% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. I.L.W.U. Credit Union has around 435 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$266,080,851
Total assets
Above average
Net worth Share
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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.
11.7%
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 Share
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$16,779
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 85% of credit unions.

I.L.W.U. Credit Union holds a total of $188,730,000 in loans and leases, which is about $16,779 per member on average.

Savings interest rate Share
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0.10%
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. I.L.W.U. Credit Union pays 0.10%.

Loan rates Share
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9.95%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.25%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.49%
New car loan rate
Compared to 4.0% nationally
2.99%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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I.L.W.U. Credit Union: San Pedro Branch
Credit Union Branch: 860 North Western Avenue
San Pedro, California 90732 ATM Available
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I.L.W.U. Credit Union: Ilwu Credit Union
Credit Union Branch: 1134 North Avalon Boulevard
Wilmington, California 90744 ATM Available
I.L.W.U. Credit Union: Oakland Branch
Credit Union Branch: 95 Linden Street Suite 12
Oakland, California 94607 No ATM
Service Credit Union Routing Number
Resource: Service Credit Union Routing Number Service Credit Union is a credit union based in Portsmouth, New Hampshire. Service Credit Union’s US routing number is 211489656.
National Association Credit One Bank
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I.L.W.U. Credit Union: Ilwu Credit Union ATM
Credit Union ATM: 1134 North Avalon Boulevard
Wilmington, California 90744
I.L.W.U. Credit Union
Credit Union: Well Capitalized Wilmington, California 21084.0 $266 million Well Capitalized