290 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)

  • 465,000 new members
  • Hit a record
  • Up 46 percent from 8.8 million in 2010 (yearly membership has almost always risen from 2005 – 2020)
     

Loans: $147 billion (3 percent increase)

  • Increased 118 percent from $67 billion in 2011
  • Hit a record (last historical peak was $80 billion in 2008)
  • 70 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: 10 percent increase
  • Hit a record of $79 billion
  • Increased 134 percent from $34 billion in 2010 (last historical peak was $36 billion in 2008)
     
  • HELOCs/home equity loans (combined category): -12 percent decrease
  • Dropped from $11.7 billion in 2019 to $10.3 billion (not seen since 2017)
  • Increased 18 percent from $8.8 billion in 2013 (record high was $14 billion in 2008)
     
  • New auto loans: -10 percent decrease
  • Dropped from a record ($21.1 billion in 2019) to $19.1 billion (not seen since 2018)
  • Increased 287 percent from $4.9 billion in 2012 (last historical peak was $13.1 billion in 2006)
     
  • Used auto loans: 0 percent change
  • Remained at a record of $23.1 billion
  • Increased 160 percent from $8.9 billion in 2010 (last historical peak was $10.8 billion in 2006)
     
  • Credit card lending: -10 percent decrease
  • Dropped from a record ($6.3 billion in 2019) to $5.6 billion (not seen since 2017)
  • Increased 40 percent from $4 billion in 2010 (category has almost always risen from 2005 – 2019)
     
  • Business loans: 8 percent increase
  • Reached $11.8 billion (includes landlord real estate loans)
  • Category has fluctuated greatly between 2005 – 2020 from $4.2 billion – $11.8 billion


Deposits: $209 billion (20 percent increase)

  • Increased 109 percent from $100 billion in 2010
  • Hit a record (category has always risen from 2005 – 2020)
  • ($244 billion in assets)
  • Checking accounts (share drafts): 39 percent increase
  • Hit a record of $31 billion
  • Increased 256 percent from $8.7 billion in 2008 (last historical peak was $11.1 billion in 2005)
     
  • Savings accounts (regular shares): 23 percent increase
  • Hit a record of $79 billion
  • Increased 274 percent from $21 billion in 2007 (last historical peak was $23 billion in 2005)
     
  • Money market accounts: 19 percent increase
  • Hit a record of $50 billion
  • Increased 233 percent from $15 billion in 2006 (last historical peak was $16.2 billion in 2005)
     
  • Certificates of deposit: 7 percent increase
  • Hit a record of $37 billion
  • Increased 73 percent from $21.5 billion in 2013 (last historical peak was $33.5 billion in 2008)
     
  • IRA/Keogh accounts: 4 percent increase
  • Reached an amount not seen since 2013 ($9.1 billion)
  • Increased 6 percent from $8.6 billion in 2015 (historical peak was $9.5 billion in 2010)
 

Operations: $1.9 billion spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $7.5 billion)
  • About 31,500 individuals were employed (2 percent increase)
California and Nevada Credit Union Leagues