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Western States Regional Credit Union

Overview
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Western States Regional Credit Union is a federal credit union based in Los Angeles, California. It has been opened since 1954, for 66 years.

With around $850,000 in assets, Western States Regional Credit Union is considered to be a small credit union.

About
Address 920 South Alvarado Street
Los Angeles, California 90006
Phone (213) 385-0271
Fax (213) 385-2615
CEO Enriqueta A. Laird
President of the Board Cristina Vazquez
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
329 members
Membership type: Associational – other than faith or fraternal based
Below average number of members
$850,719
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 5 in California
Average number of branches
0.75%
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
Western States Regional Credit Union Branch Locations
Members
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329 members
Membership type: Associational – other than faith or fraternal based
Below average number of members

With 329 members, the Western States Regional Credit Union is considered to be a very small credit union. It is among the smallest credit unions and is smaller than 94% of credit unions.

Fees
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$4
Average fee per member
The average fee per member at the Western States Regional Credit Union is $4, which is very low compared to most credit unions. This rate is lower than 89% 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 Western States Regional Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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0 staff members
FTE (full-time equivalent)
0% of employees are part-time
0 full-time, 0 part-time

Western States Regional Credit Union has no employees.

Assets
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$850,719
Total assets
Below 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.
30.2%
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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$3,247
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 96% of credit unions.

Western States Regional Credit Union holds a total of $160,000 in loans and leases, which is about $3,247 per member on average.

Savings interest rate
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0.75%
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. Western States Regional Credit Union pays 0.75%.

Loan rates
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10.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.00%
New car loan rate
Compared to 4.0% nationally
6.00%
Used car loan rate
Compared to 5.2% nationally
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