L'OREAL USA Credit Union Profile

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L'OREAL USA

Charter #21109 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (732) 499-6679

Fax: (732) 574-9148

Founding Date: N/A

Website: http://www.lorealusafcu.com

Personnel & Operations

President: Schwalb, Robert

Manager: Schwalb, Sandra

FT Employees: 4

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 49

Branches: 1

Hours: 9:00 am to 4:00 pm Monday to Friday

Credit Union Profile Summary

L'OREAL USA is a FCU Credit Union. With a total of 1,757 members [1], this institution manages approximately $21,531,827 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 25.08% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -12.62% [1].

Financial Snapshot

Total Assets [1]
$21,531,827

Total economic resources.

Total Loans [1]
$7,658,561

Total value of outstanding loans.

Total Deposits [1]
$15,715,833

Total funds deposited by members.

Members [1]
1,757

Number of active members.

Performance Ratios

Net Worth Ratio [1]
25.08%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.27%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
48.73%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.30%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -12.62%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -7.09%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

111 Terminal Ave

Clark, NJ, 07066
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by L'OREAL USA (Charter #21109).

Main Office

Main Office Main Office

Type: Corporate Office

30 Terminal Ave

Clark, NJ 07066

Phone: (732) 499-6679

Services: Member Services, ATM

Open in Directions

Additional Branches

North Little Rock

Arkansas

Type: Branch Office

11500 Maybelline Rd

North Little Rock, AR 72117

Phone: (501) 955-8815

Services: Member Services, ATM

Open in Directions