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Overview / Commentary
301 G St
Antioch, CA 94509

Antioch Community Credit Union is headquartered in Antioch and is the 261st largest credit union in the state of California. It is also the 3,272nd largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 6 employees and 1,772 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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Data for Q1 2014

Institution Health

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


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Antioch Community Credit Union had $97,000 in non-current loans and owned real-estate with $2.39 million in equity and loan loss allowances on hand to cover it. This gives Antioch Community Credit Union a Texas Ratio of 4.06% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Antioch Community Credit Union decreased dramatically from 42.19% as of March 31, 2013 to 4.06% as of March 31, 2014, resulting in a positive change of 90.37%.This indicates that the balance sheet and financial strength for Antioch Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Antioch Community Credit Union has decreased its total deposits by $-885,000, resulting in -3.83% 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.



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 $24.28 million in assets with $2.39 million in equity, resulting in a capitalization level of 9.83%, which is above average.

Institution Statistics

NCUA #13261
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$24.28 million
Loans$10.60 million
Deposits$22.25 million
Equity Capital$1.98 million
Loan Loss Allowance$411,000
Real Estate Owned$97,000
Historic Data - March 2013
Assets$25.09 million
Equity Capital$1.90 million
Loan Loss Allowance$698,000
Unbacked Noncurrent Loans$0
Real Estate Owned$375,000
Profit Margin - Quarterly
Return on Assets0.28%
Return on Equity3.44%
Interest Income$155,000
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Antioch Community Credit Union Savings Account Rates

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

0.04%$2,500-Money Market

Antioch Community Credit Union CD Rates

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

Antioch Community Credit Union IRA Rates

0.02%$1k-36 Month IRA
0.02%$1k-12 Month IRA
0.02%$1k-24 Month IRA

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