286 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: 13.1 million (3 percent increase)

  • 339,000 new members
  • Hit a record
  • Up 48 percent from 8.8 million in 2010 (yearly membership has almost always risen from 2006 – 2021)


     

Total Loans: $147 billion (0 percent change)

  • Remained at a record ($147 billion)
  • Increased 118 percent from $67 billion in 2012 (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: 3 percent increase
  • Hit a record of $80 billion
  • Increased 142 percent from $33 billion in 2010 (prior historical peak was $35 billion in 2009)
     
  • HELOCs/home equity loans (combined category): -15 percent decrease
  • Declined from an intermittent peak ($11.7 billion in 2019) to $9.1 billion (not seen since 2015)
  • Increased 3 percent from $8.8 billion in 2013 (record high was $13.5 billion in 2008)
     
  • New auto loans: -11 percent decrease
  • Declined from a record ($21 billion in 2019) to $17.5 billion (not seen since 2017)
  • Increased 263 percent from $4.8 billion in 2012 (prior historical peak was $12.7 billion in 2006)
     
  • Used auto loans: 1 percent increase
  • Remained at a record of $23.3 billion
  • Increased 165 percent from $8.8 billion in 2011 (prior historical peak was $10.5 billion in 2007)
     
  • Credit card lending: -6 percent decrease
  • Declined from a record ($6.2 billion in 2019) to $5.4 billion (not seen since 2017)
  • Increased 35 percent from $4 billion in 2010 (category has almost always risen from 2006 – 2021)
     
  • Business loans: 11 percent increase
  • Reached $12.7 billion (includes landlord real estate loans)
  • Category has fluctuated greatly between 2006 – 2021 from $5 billion – $12.7 billion


Total Deposits: $233 billion (16 percent increase)

  • Increased 133 percent from $100 billion in 2010
  • Hit a record (category has always risen from 2006 – 2021)
  • ($267 billion in assets)
  • *Percentage increases and/or decreases represent dollar amount changes


     
  • Checking accounts (share drafts): 58 percent increase
  • Hit a record of $46.6 billion
  • Increased 424 percent from $8.9 billion in 2008 (prior historical peak was $10.2 billion in 2006)
     
  • Savings accounts (regular shares): 8 percent increase
  • Hit a record of $82 billion
  • Increased 277 percent from $21.7 billion in 2007 (prior historical peak was $23.4 billion in 2006)
     
  • Money market accounts: 25 percent increase
  • Hit a record of $59 billion
  • Increased 297 percent from $14.8 billion in 2006 (category has almost always risen from 2006 – 2021)
     
  • Certificates of deposit: -8 percent decrease
  • Declined from a record ($37 billion in 2020) to $34 billion (not seen since early 2020)
  • Increased 60 percent from $21 billion in 2014 (prior historical peak was $35 billion in 2008)
     
  • IRA/Keogh accounts: 2 percent increase
  • Reached an amount not seen since 2012 ($9.2 billion)
  • Increased 8 percent from $8.5 billion in 2015 (record high was $9.5 billion in 2010)
 

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 31,650 individuals were employed (0 percent change)
California and Nevada Credit Union Leagues