288 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 million (2 percent increase)

  • 233,000 new members
  • Hit a record
  • Up 45 percent from 8.9 million in 2010 (yearly membership has almost always risen from 2006 – 2021)
     

Loans: $144 billion (-2 percent decrease)

  • Declined from a record ($147 billion in 2020) to $144 billion (not seen since early 2020)
  • Increased 115 percent from $67 billion in 2012 (last historical peak was $78 billion in 2009)
  • 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: 3 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): -19 percent decrease
  • Declined from an intermittent peak ($11.8 billion in 2019) to $9.2 billion (not seen since 2015)
  • Increased 3 percent from $8.9 billion in 2014 (record high was $14 billion in 2009)
     
  • New auto loans: -14 percent decrease
  • Declined from a record ($21.2 billion in 2019) to $17.8 billion (not seen since 2017)
  • Increased 272 percent from $4.8 billion in 2012 (last historical peak was $13 billion in 2007)
     
  • Used auto loans: -3 percent decrease
  • Declined from a record ($23.6 billion in 2020) to $22.9 billion (not seen since 2019)
  • Increased 161 percent from $8.8 billion in 2011 (last historical peak was $10.6 billion in 2007)
     
  • Credit card lending: -15 percent decrease
  • Declined from a record ($6.3 billion in 2020) to $5.3 billion (not seen since 2017)
  • Increased 33 percent from $4 billion in 2010 (category has almost always risen from 2006 – 2021)
     
  • Business loans: 10 percent increase
  • Reached $12.5 billion (includes landlord real estate loans)
  • Category has fluctuated greatly between 2006 – 2021 from $5.3 billion – $12.5 billion


Deposits: $230 billion (23 percent increase)

  • Increased 129 percent from $100 billion in 2010
  • Hit a record (category has always risen from 2006 – 2021)
  • ($264 billion in assets)
  • *Percentage increases and/or decreases represent dollar amount changes
  • Checking accounts (share drafts): 31 percent increase
  • Hit a record of $35.4 billion
  • Increased 275 percent from $9.4 billion in 2009 (last historical peak was $11.3 billion in 2006)
     
  • Savings accounts (regular shares): 34 percent increase
  • Hit a record of $91 billion
  • Increased 319 percent from $21.7 billion in 2008 (last historical peak was $23.2 billion in 2006)
     
  • Money market accounts: 32 percent increase
  • Hit a record of $56 billion
  • Increased 258 percent from $15.7 billion in 2006 (category has almost always risen from 2006 – 2021)
     
  • Certificates of deposit: -7 percent decrease
  • Declined from a record ($38 billion in 2020) to $35 billion (not seen since early 2020)
  • Increased 64 percent from $22 billion in 2014 (last historical peak was $35 billion in 2008)
     
  • IRA/Keogh accounts: 3 percent increase
  • Reached an amount not seen since 2012 ($9.2 billion)
  • Increased 7 percent from $8.6 billion in 2015 (record high was $9.4 billion in 2011)
 

Operations: $1.5 billion spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $6 billion)
  • About 31,730 individuals were employed (-1 percent decrease)
California and Nevada Credit Union Leagues