272 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)

  • 364,000 new members
  • Hit a record (prior historical peak was 8.6 million in 2009)


Total Loans: $170 billion (18 percent increase)

  • Hit a record (prior historical peak was $77 billion in 2008)
  • 69 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: 20 percent increase
  • Hit a record of $81 billion (prior historical peak was $35 billion in 2008)
     
  • HELOCs/home equity loans (combined category): 23 percent increase
  • Reached $11 billion
  • Record high was $12 billion in 2019
     
  • New auto loans: 10 percent increase
  • Reached $19 billion
  • Record high was $21 billion in 2019
     
  • Used auto loans: 14 percent increase
  • Hit a record of $26 billion (prior historical peak was $10 billion in 2008)
     
  • Credit card lending: 13 percent increase
  • Reached $6 billion
  • Record high was $6 billion in 2019
     
  • Business loans: 20 percent increase
  • Reached $11.7 billion (includes landlord real estate loans)
  • Category has fluctuated greatly between 2007 – 2021 from $4 billion – $11.7 billion


Total Deposits: $245 billion (7 percent increase)

  • Hit a record
  • Category has always risen since 2007
  • ($281 billion in assets)
  • *Percentage increases and/or decreases represent dollar amount changes


     
  • Checking accounts (share drafts): 11 percent increase
  • Hit a record of $51 billion (prior historical peak was $9 billion in 2008)
     
  • Savings accounts (regular shares): 10 percent increase
  • Hit a record of $88 billion
  • Category has always risen since 2007
     
  • Money market accounts: 11 percent increase
  • Hit a record of $64 billion
  • Category has always risen since 2007
     
  • Certificates of deposit: -9 percent decrease
  • Declined to $31 billion
  • Record high was $37 billion in 2020
     
  • IRA/Keogh accounts: -4 percent decrease
  • Declined to $8.7 billion
  • Record high was $9.3 billion in 2010
 

Operations: $2.4 billion spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $9.6 billion)
  • About 32,100 individuals were employed (4 percent increase)
California and Nevada Credit Union Leagues