4 Locally Headquartered Credit Unions
One county includes: Ventura
Members: 107,000 (-1 percent decrease)
- -1,200 less members
- Declined from a record 114,000 in 2016
- Up 43 percent from 75,000 in 2006

Total Loans: $1.3 billion (13 percent increase)
- Increased 176 percent from $461 million in 2011
- Hit a record (prior historical peak was $516 million in 2008)
- 72 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: 24 percent increase
- Hit a record of $844 million
- Increased 354 percent from $186 million in 2012 (prior historical peak was $239 million in 2008)
- HELOCs/home equity loans (combined category): -19 percent decrease
- Declined from a record ($130 million in 2018) to $68 million (not seen since 2014)
- Increased 3 percent from $66 million in 2013 (prior historical peak was $106 million in 2007)
- New auto loans: -16 percent decrease
- Declined from a record ($84 million in 2018) to $53 million (not seen since 2015)
- Increased 194 percent from $18 million in 2011 (prior historical peak was $62 million in 2006)
- Used auto loans: -2 percent decrease
- Declined from a record ($292 million in 2015) to $171 million (not seen since 2014)
- Increased 134 percent from $73 million in 2006
- Credit card lending: -8 percent decrease
- Declined from a record ($74 million in 2019) to $57 million (not seen since 2016)
- Increased 256 percent from $16 million in 2008
- Business loans: 56 percent increase
- Reached $228 million (includes landlord real estate loans)
- Category has fluctuated greatly between 2006 – 2021 from $6 million – $228 million
Total Deposits: $1.8 billion (17 percent increase)
- Increased 100 percent from $900 million in 2012
- Hit a record (category has always risen since 2006)
- ($2.1 billion in assets)
- *Percentage increases and/or decreases represent dollar amount changes

- Checking accounts (share drafts): 12 percent increase
- Hit a record of $398 million
- Increased 410 percent from $78 million in 2007 (prior historical peak was $85 million in 2006)
- Savings accounts (regular shares): 23 percent increase
- Hit a record of $733 million
- Increased 431 percent from $138 million in 2007 (prior historical peak was $161 million in 2006)
- Money market accounts: 13 percent increase
- Hit a record of $329 million
- Increased 28 percent from $258 million in 2019 (prior historical peak was $303 million in 2016)
- Certificates of deposit: -6 percent decrease
- Declined from an intermittent peak ($206 million in 2019) to $192 million (not seen since 2019)
- Increased 14 percent from $169 million in 2018 (record high was $238 million in 2007)
- IRA/Keogh accounts: 1 percent increase
- Rose to $58 million (not seen since 2017)
- Increased 5 percent from $55 million in 2019 (record high was $84 million in 2012)
Operations: $7.25 million spent
Quarterly monies spent on employee payroll, benefits, property, office equipment, occupancy, and vendor contracts (estimated annual figure is $29 million)
- About 320 individuals were employed (0 percent change)