I.L.W.U. Credit Union Profile

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I.L.W.U.

Charter #24916 | NCUA Region 3 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (310) 834-6411

Fax: (310) 834-2151

Founding Date: N/A

Website: http://www.ilwucu.org

Personnel & Operations

President: Ciaramitaro, Peter

Manager: Ruiz, Ralph

FT Employees: 73

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 14.1%

Membership Type: 98

Branches: 6

Hours: 8:00 a.m. - 5:0 p.m.

Credit Union Profile Summary

I.L.W.U. is a FCU Credit Union. With a total of 28,050 members ^[1], this institution manages approximately $521,488,804 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.41% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.29% ^[1].

Financial Snapshot

Total Assets ^[1]

$521,488,804

Total economic resources.

Total Loans ^[1]

$365,193,372

Total value of outstanding loans.

Total Deposits ^[1]

$474,234,723

Total funds deposited by members.

Members ^[1]

28,050

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.41%

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]

1.22%

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

Loan-to-Share Ratio ^[1]

77.01%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 4.72%

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

Loan Growth (4Q) ^[1]

↑ 1.29%

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

Member Growth (4Q) ^[1]

↑ 3.97%

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

Headquarters Location & Map

Headquarters Address

3447 Atlantic Ave

Long Beach, CA, 90807

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 6 branches reported by I.L.W.U. (Charter #24916).

Main Office

Long Beach Main Office

Type: Corporate Office

Type: Branch Office

1134 N Avalon Blvd

Wilmington, CA 90744-3502

Phone: (310) 834-6411

Services: Member Services, ATM

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