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Overview / Commentary
925-757-1320
301 G St
Antioch, CA 94509

Antioch Community Credit Union is headquartered in ANTIOCH and is the 263rd largest credit union in the state of California. It is also the 3,325th largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 6 employees and 1,783 members. Antioch Community Credit Union has a C+ health rating.

Field of Membership Restrictions

Any person who Lives, Works, Worships or Attends school in, Businesses and other Legal Entities Located in the City of Antioch, California. - See Details

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Antioch Community Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Antioch Community Credit Union had $108,000 in non-current loans and owned real-estate with $2.37 million in equity and loan loss allowances on hand to cover it. This gives Antioch Community Credit Union a Texas Ratio of 4.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Antioch Community Credit Union decreased dramatically from 42.41% as of December 31, 2012 to 4.56% as of December 31, 2013, resulting in a positive change of 89.26%.This indicates that the balance sheet and financial strength for Antioch Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Antioch Community Credit Union has decreased its total deposits by -$1.59 million, resulting in -7.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Antioch Community Credit Union has shown is below average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Antioch Community Credit Union has $23.06 million in assets with $2.37 million in equity, resulting in a capitalization level of 10.28%, which is above average.

Institution Statistics

Overall
NCUA #13261
Year Chartered1959
Employees6
Primary Regulator
Assets and Liabilities
Assets$23.06 million
Loans$10.97 million
Deposits$21.05 million
Equity Capital$1.96 million
Loan Loss Allowance$413,000
Unbacked Noncurrent Loans$11,000
Real Estate Owned$97,000
Historic Data - December 2012
Assets$24.60 million
Equity Capital$1.90 million
Loan Loss Allowance$668,000
Unbacked Noncurrent Loans$11,000
Real Estate Owned$375,000
Profit Margin - Quarterly
Net Interest Margin5.46%
Return on Assets0.24%
Return on Equity2.86%
Interest Income$675,000
Rates
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Antioch Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.04%$100-IRA Shares
0.04%$100-Roth IRA Shares
0.03%$25-Regular Savings
0.03%--Auxiliary Savings
0.03%--Christmas Club Account
0.03%--Tax Club Account
0.03%--Vacation Club Account

Antioch Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.04%$2,500-Money Market

Antioch Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.02%$1k-36 Month CD
0.02%$1k-12 Month CD
0.02%$1k-24 Month CD

Antioch Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.02%$1k-36 Month IRA (Traditional,Roth)
0.02%$1k-12 Month IRA (Traditional,Roth)
0.02%$1k-24 Month IRA (Traditional,Roth)
Locations


Antioch Community Credit Union Locations
Branch Office301 G StAntioch, CA 94509-1254