279 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: 13.3 million (4 percent increase)

  • 486,000 new members
  • Hit a record
  • Up 54 percent from 8.6 million in 2010 (prior historical peak was 8.8 million in 2009)


Total Loans: $154 billion (6 percent increase)

  • Increased 132 percent from $67 billion in 2011
  • Hit a record (prior historical peak was $78 billion in 2008)
  • 63 percent loan-to-deposit ratio (loaned out)
  • *Percentage increases and/or decreases represent dollar amount changes
  • **A small portion of total loans may be through “loan participations”
  • ***Total loans do not include the much smaller sub-categories of: a) personal loans (including signature, secured, unsecured, line of credit, and emergency); b) “other” vehicle loans (including motorcycles, watercrafts, motor homes, trailers, boats, all-terrain vehicles, and utility task vehicles); and c) student loans


     
  • First-mortgages: 9 percent increase
  • Hit a record of $85 billion
  • Increased 157 percent from $33 billion in 2010 (prior historical peak was $35 billion in 2008)
     
  • HELOCs/home equity loans (combined category): -6 percent decrease
  • Declined from an intermittent peak ($11.5 billion in 2018) to $9.1 billion (not seen since 2014)
  • Increased 5 percent from $8.7 billion in 2013 (record high was $14.1 billion in 2008)
     
  • New auto loans: -6 percent decrease
  • Declined from a record ($21.1 billion in 2018) to $17.4 billion (not seen since 2017)
  • Increased 256 percent from $4.9 billion in 2011 (prior historical peak was $12.9 billion in 2006)
     
  • Used auto loans: 6 percent increase
  • Hit a record of $24.1 billion
  • Increased 180 percent from $8.6 billion in 2010 (prior historical peak was $10.4 billion in 2007)
     
  • Credit card lending: 3 percent increase
  • Declined from a record ($6.4 billion in 2019) to $5.8 billion (not seen since 2017)
  • Increased 44 percent from $4 billion in 2010 (prior historical peak was $4.2 billion in 2008)
     
  • Business loans: 14 percent increase
  • Reached $13.7 billion (includes landlord real estate loans)
  • Category has fluctuated greatly between 2006 – 2021 from $5.4 billion – $13.7 billion


Total Deposits: $243 billion (13 percent increase)

  • Increased 100 percent from $121 billion in 2014
  • Hit a record (category has always risen since 2006)
  • ($278 billion in assets)
  • *Percentage increases and/or decreases represent dollar amount changes


     
  • Checking accounts (share drafts): 49 percent increase
  • Hit a record of $49 billion
  • Increased 446 percent from $9 billion in 2008 (prior historical peak was $10 billion in 2006)
     
  • Savings accounts (regular shares): 4 percent increase
  • Hit a record of $86 billion
  • Increased 331 percent from $20 billion in 2007 (prior historical peak was $21.1 billion in 2006)
     
  • Money market accounts: 21 percent increase
  • Hit a record of $63 billion
  • Increased 100 percent from $31.5 billion in 2012 (category has always risen since 2006)
     
  • Certificates of deposit: -9 percent decrease
  • Declined from a record ($36 billion in 2020) to $33 billion (not seen since early 2019)
  • Increased 55 percent from $21 billion in 2013 (prior historical peak was $34 billion in 2007)
     
  • IRA/Keogh accounts: 0 percent change
  • Remained at a record of $9.1 billion
  • Increased 7 percent from $8.5 billion in 2015 (record high was $9.3 billion in 2010)
 

Operations: $1.8 billion spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $7.2 billion)
  • About 32,040 individuals were employed (3 percent increase)
California and Nevada Credit Union Leagues