10 Locally Headquartered Credit Unions

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

 

Members: 673,000 (4 percent increase)

  • 26,000 new members
  • Hit a record
  • Up 39 percent from 484,000 in 2014 (last historical peak was 514,000 in 2012)
     

Loans: $8.9 billion (14 percent increase)

  • Increased 186 percent from $3.1 billion in 2011
  • Hit a record (last historical peak was $3.5 billion in 2008)
  • 84 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: 37 percent increase
  • Hit a record of $4 billion
  • Increased 396 percent from $815 million in 2009 (last historical peak was $863 million in 2008)
     
  • HELOCs/home equity loans (combined category): 10 percent decrease
  • Dropped from $602 million in 2019 to $542 million (not seen since 2018)
  • Increased 52 percent from $356 million in 2013 (historical peak was $630 million in 2009)
     
  • New auto loans: 5 percent decrease
  • Dropped from a record ($1.5 billion in 2019) to $1.4 billion (not seen since 2018)
  • Increased 343 percent from $310 million in 2012 (last historical peak was $793 million in 2006)
     
  • Used auto loans: 2 percent increase
  • Hit a record of $1.9 billion
  • Increased 169 percent from $718 million in 2012 (last historical peak was $798 million in 2009)|
     
  • Credit card lending: 3 percent decrease
  • Dropped from a record ($466 million in 2019) to $453 million (not seen since 2018)
  • Increased 98 percent from $229 million in 2012 (last historical peak was $234 million in 2009)
     
  • Business loans: 6 percent increase
  • Reached $604 million (includes landlord real estate loans)
  • Category has fluctuated greatly between 2005 – 2020 from $132 million – $604 million


Deposits: $10.6 billion (19 percent increase)

  • Increased 100 percent from $5.3 billion in 2014
  • Hit a record (category has always risen from 2005 – 2020)
  • ($12.1 billion in assets)
  • Checking accounts (share drafts): 21 percent increase
  • Hit a record of $1.4 billion
  • Increased 304 percent from $339 million in 2009 (last historical peak was $449 million in 2008)
     
  • Savings accounts (regular shares): 19 percent increase
  • Hit a record of $4.1 billion
  • Increased 506 percent from $679 million in 2008 (last historical peak was $925 million in 2005)
     
  • Money market accounts: 9 percent increase
  • Hit a record of $3 billion
  • Increased 100 percent from $1.5 billion in 2011 (category has always risen since 2005)
     
  • Certificates of deposit: 51 percent increase
  • Hit a record $1.7 billion
  • Increased 154 percent from $654 million in 2015 (last historical peak was $1.4 billion in 2008)
     
  • IRA/Keogh accounts: 8 percent increase
  • Hit a record $369 million
  • Increased 18 percent from $314 million in 2015 (last historical peak was $355 million in 2011)
 

Operations: $41 million spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $165 million) 
  • About 1,890 individuals were employed (5 percent increase)
California and Nevada Credit Union Leagues