10 Locally Headquartered Credit Unions

Six counties include: Napa, Sonoma, Solano, Mendocino, Sutter, and Yolo
 

Members: 705,000 (5 percent increase)

  • 32,000 new members
  • Hit a record
  • Up 46 percent from 484,000 in 2014 (prior historical peak was 514,000 in 2012)


     

Total Loans: $9.6 billion (7 percent increase)

  • Increased 207 percent from $3.1 billion in 2011
  • Hit a record (prior historical peak was $3.5 billion in 2008)
  • 76 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: 18 percent increase
  • Hit a record of $4.8 billion
  • Increased 482 percent from $816 million in 2009 (prior historical peak was $863 million in 2008)
     
  • HELOCs/home equity loans (combined category): -15 percent decrease
  • Declined from an intermittent peak ($602 million in 2019) to $461 million (not seen since 2017)
  • Increased 29 percent from $356 million in 2013 (record high was $630 million in 2009)
     
  • New auto loans: -4 percent decrease
  • Declined from a record ($1.45 billion in 2019) to $1.3 billion (not seen since late 2018)
  • Increased 326 percent from $310 million in 2012 (prior historical peak was $793 million in 2006)
     
  • Used auto loans: 5 percent increase
  • Hit a record of $2 billion
  • Increased 181 percent from $718 million in 2012 (prior historical peak was $798 million in 2009)
     
  • Credit card lending: -5 percent decrease
  • Declined from a record ($466 million in 2019) to $429 million (not seen since 2018)
  • Increased 87 percent from $229 million in 2012 (prior historical peak was $234 million in 2008)
     
  • Business loans: 9 percent increase
  • Reached $657 million (includes landlord real estate loans)
  • Category has fluctuated greatly between 2006 – 2021 from $151 million – $657 million


Total Deposits: $12.7 billion (19 percent increase)

  • Increased 100 percent from $6.35 billion in 2016
  • Hit a record (category has always risen from 2006 – 2021)
  • ($14.4 billion in assets)
  • *Percentage increases and/or decreases represent dollar amount changes


     
  • Checking accounts (share drafts): 108 percent increase
  • Hit a record of $2.9 billion
  • Increased 742 percent from $339 million in 2009 (prior historical peak was $449 million in 2008)
     
  • Savings accounts (regular shares): -3 percent decrease
  • Declined from a record ($4.1 billion in 2020) to $3.9 billion (not seen since late 2019)
  • Increased 487 percent from $679 million in 2008 (prior historical peak was $829 million in 2006)
     
  • Money market accounts: 34 percent increase
  • Hit a record of $3.9 billion
  • Increased 100 percent from $1.95 billion in 2016 (category has always risen since 2006)
     
  • Certificates of deposit: -19 percent decrease
  • Declined from a record ($1.7 billion in 2020) to $1.4 billion (not seen since late 2019)
  • Increased 106 percent from $654 million in 2015 (prior historical peak was $1.4 billion in 2008)
     
  • IRA/Keogh accounts: 5 percent increase
  • Hit a record $389 million
  • Increased 24 percent from $314 million in 2015 (prior historical peak was $355 million in 2011)
 

Operations: $111 million spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $444 million)
  • About 1,920 individuals were employed (2 percent increase)
California and Nevada Credit Union Leagues