10 Locally Headquartered Credit Unions

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

Members: 681,000 (4 percent increase)

  • 25,000 new members
  • Hit a record
  • Up 41 percent from 482,000 in 2013 (last historical peak was 518,000 in 2012)
     

Loans: $9.2 billion (14 percent increase)

  • Increased 197 percent from $3.1 billion in 2011
  • Hit a record (last historical peak was $3.6 billion in 2008)
  • 83 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: 36 percent increase
  • Hit a record of $4.3 billion
  • Increased 406 percent from $856 million in 2009 (last historical peak was $866 million in 2008)
     
  • HELOCs/home equity loans (combined category): -13 percent decrease
  • Dropped from $593 million in 2019 to $514 million (not seen since 2018)
  • Increased 46 percent from $351 million in 2013 (historical peak was $642 million in 2008)
     
  • New auto loans: -7 percent decrease
  • Dropped from a record ($1.5 billion in 2019) to $1.4 billion (not seen since 2018)
  • Increased 333 percent from $313 million in 2012 (last historical peak was $807 million in 2006)
     
  • Used auto loans: 1 percent increase
  • Hit a record of $1.9 billion
  • Increased 167 percent from $721 million in 2011 (last historical peak was $796 million in 2008)
     
  • Credit card lending: -7 percent decrease
  • Dropped from a record ($478 million in 2019) to $445 million (not seen since 2018)
  • Increased 93 percent from $231 million in 2012 (last historical peak was $241 million in 2008)
     
  • Business loans: 6 percent increase
  • Reached $605 million (includes landlord real estate loans)
  • Category has fluctuated greatly between 2005 – 2020 from $143 million – $605 million


Deposits: $11.1 billion (22 percent increase)

  • Increased 100 percent from $5.55 billion in 2014
  • Hit a record (category has always risen from 2005 – 2020)
  • ($12.7 billion in assets)
  • Checking accounts (share drafts): 35 percent increase
  • Hit a record of $1.5 billion
  • Increased 345 percent from $340 million in 2009 (last historical peak was $439 million in 2007)
     
  • Savings accounts (regular shares): 24 percent increase
  • Hit a record of $4.2 billion
  • Increased 557 percent from $646 million in 2007 (last historical peak was $903 million in 2005)
     
  • Money market accounts: 18 percent increase
  • Hit a record of $3.2 billion
  • Increased 100 percent from $1.6 billion in 2012 (category has always risen since 2005)
     
  • Certificates of deposit: 24 percent increase
  • Hit a record $1.6 billion
  • Increased 146 percent from $660 million in 2015 (last historical peak was $1.4 billion in 2007)
     
  • IRA/Keogh accounts: 9 percent increase
  • Hit a record $381 million
  • Increased 22 percent from $312 million in 2015 (last historical peak was $355 million in 2011)
 

Operations: $113 million spent

Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $452 million)
  • About 1,900 individuals were employed (4 percent increase)
California and Nevada Credit Union Leagues