291 Locally Headquartered Credit Unions

36 counties include: Alameda, Contra Costa, Del Norte, Fresno, Humboldt, Imperial, Inyo, Kern, Kings, Lassen, Los Angeles, Marin, Merced, Monterey, Napa, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Luis Obispo, San Mateo, Santa Barbara, Santa Clara, Santa Cruz, Shasta, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tulare, Ventura, and Yolo


Members: 12.8 million (4 percent increase)

  • 538,000 new members
  • Hit a record
  • Up 44 percent from 8.9 million in 2010 (yearly membership has almost always risen from 2005 – 2020)
     

Loans: $148 billion (5 percent increase)

  • Increased 118 percent from $68 billion in 2012
  • Hit a record (last historical peak was $79 billion in 2008)
  • 73 percent loan-to-deposit ratio (loaned out)
  • *A small portion of total loans may be through “loan participations”
  • **Total loans do not include the much smaller sub-categories of personal loans, student loans, and “other” loans
  • First-mortgages: 12 percent increase
  • Hit a record of $78 billion
  • Increased 129 percent from $34 billion in 2011 (last historical peak was $36 billion in 2009)
  • HELOCs/home equity loans (combined category): 9 percent decrease
  • Dropped from $11.9 billion in 2019 to $10.8 billion (not seen since 2018)
  • Increased 21 percent from $8.9 billion in 2013 (record high was $13.7 billion in 2008)
  • New auto loans: 6 percent decrease
  • Dropped from a record ($21.1 billion in 2019) to $19.8 billion (not seen since 2018)
  • Increased 309 percent from $4.8 billion in 2012 (last historical peak was $12.9 billion in 2006)
  • Used auto loans: 1 percent increase
  • Hit a record of $23.3 billion
  • Increased 164 percent from $8.8 billion in 2011 (last historical peak was $10.6 billion in 2008)
  • Credit card lending: 7 percent decrease
  • Dropped from a record ($6.2 billion in 2019) to $5.8 billion (not seen since 2018)
  • Increased 44 percent from $4 billion in 2010 (category has almost always risen from 2005 – 2019)
  • Business loans: 7 percent increase
  • Reached $11.5 billion (includes landlord real estate loans)
  • Category has fluctuated greatly between 2005 – 2020 from $4 billion – $11.5 billion
     

Deposits: $202 billion (17 percent increase)

  • Increased 102 percent from $100 billion in 2010
  • Hit a record (category has always risen from 2005 – 2020)
  • ($237 billion in assets)
  • Checking accounts (share drafts): 31 percent increase
  • Hit a record of $30 billion
  • Increased 230 percent from $9 billion in 2008 (last historical peak was $10.6 billion in 2005)
  • Savings accounts (regular shares): 18 percent increase
  • Hit a record of $76 billion
  • Increased 249 percent from $22 billion in 2007 (last historical peak was $24 billion in 2005)
  • Money market accounts: 14 percent increase
  • Hit a record of $47 billion
  • Increased 216 percent from $15 billion in 2006 (last historical peak was $16.3 billion in 2005)
  • Certificates of deposit: 13 percent increase
  • Hit a record of $38 billion
  • Increased 73 percent from $22 billion in 2014 (last historical peak was $35 billion in 2008)
  • IRA/Keogh accounts: 3 percent increase
  • Nearing a previous amount not seen since 2012 ($9.1 billion)
  • Increased 5 percent from $8.6 billion in 2015 (historical peak was $9.5 billion in 2010)
 

Operations: $1.62 billion spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $6.5 billion)
  • About 31,680 individuals were employed (3 percent increase)
California and Nevada Credit Union Leagues