10 Locally Headquartered Credit Unions

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

Members: 688,000 (4 percent increase)

  • 28,000 new members
  • Hit a record
  • Up 45 percent from 476,000 in 2013 (last historical peak was 506,000 in 2011)
     

Loans: $9.4 billion (14 percent increase)

  • Increased 203 percent from $3.1 billion in 2011
  • Hit a record (last historical peak was $3.6 billion in 2008)
  • 81 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: 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: 35 percent increase
  • Hit a record of $4.6 billion
  • Increased 200 percent from $1.5 million in 2014 (category has always risen from 2005 – 2020)
     
  • HELOCs/home equity loans (combined category): -16 percent decrease
  • Dropped from an intermittent peak ($581 million in 2019) to $488 million (not seen since 2017)
  • Increased 39 percent from $350 million in 2013 (record high was $658 million in 2008)
     
  • New auto loans: -7 percent decrease
  • Dropped from a record ($1.4 billion in 2019) to $1.3 billion (not seen since 2018)
  • Increased 322 percent from $318 million in 2011 (last historical peak was $808 million in 2006)
     
  • Used auto loans: 1 percent increase
  • Hit a record of $1.9 billion
  • Increased 170 percent from $710 million in 2011 (last historical peak was $798 million in 2008)
     
  • Credit card lending: -10 percent decrease
  • Dropped from a record ($497 million in 2019) to $447 million (not seen since 2018)
  • Increased 89 percent from $236 million in 2011 (last historical peak was $245 million in 2008)
     
  • Business loans: 7 percent increase
  • Reached $618 million (includes landlord real estate loans)
  • Category has fluctuated greatly between 2005 – 2020 from $147 million – $618 million


Deposits: $11.6 billion (25 percent increase)

  • Increased 100 percent from $5.8 billion in 2015
  • Hit a record (category has always risen from 2005 – 2020)
  • ($13.2 billion in assets)
  • Checking accounts (share drafts): 45 percent increase
  • Hit a record of $1.6 billion
  • Increased 330 percent from $379 million in 2009 (last historical peak was $447 million in 2008)
     
  • Savings accounts (regular shares): 30 percent increase
  • Hit a record of $4.5 billion
  • Increased 597 percent from $642 million in 2007 (last historical peak was $864 million in 2005)
     
  • Money market accounts: 24 percent increase
  • Hit a record of $3.4 billion
  • Increased 100 percent from $1.7 billion in 2015 (category has always risen since 2005)
     
  • Certificates of deposit: 8 percent increase
  • Hit a record $1.6 billion
  • Increased 145 percent from $652 million in 2014 (last historical peak was $1.5 billion in 2007)
     
  • IRA/Keogh accounts: 7 percent increase
  • Hit a record $382 million
  • Increased 23 percent from $311 million in 2015 (last historical peak was $353 million in 2011)
 

Operations: $104 million spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $414 million)
  • About 1,940 individuals were employed (4 percent increase)
California and Nevada Credit Union Leagues