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Overview / Commentary
916-386-1418
8815 Folsom Blvd
Sacramento, CA 95826

California Community Credit Union is headquartered in Sacramento and is the 207th largest credit union in the state of California. It is also the 2,358th largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 12 employees and 6,955 members. California Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work or worship in Sacramento, Placer or Stanislaus County. - See Details

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Health

Data for Q1 2014

Institution Health

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

Texas Ratio

GRADE:
A+

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 California Community Credit Union had $256,000 in non-current loans and owned real-estate with $7.56 million in equity and loan loss allowances on hand to cover it. This gives California Community Credit Union a Texas Ratio of 3.39% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for California Community Credit Union decreased slightly from 4.65% as of March 31, 2013 to 3.39% as of March 31, 2014, resulting in a positive change of 27.14%.This indicates that the balance sheet and financial strength for California Community Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, California Community Credit Union has increased its total deposits by $575,000, resulting in 1.43% 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 California Community Credit Union has shown is above average.

Capitalization

GRADE:
A+

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. California Community Credit Union has $47.73 million in assets with $7.56 million in equity, resulting in a capitalization level of 15.84%, which is excellent.

Institution Statistics

Overall
NCUA #68321
Year Chartered1939
Employees12
Primary Regulator
Assets and Liabilities
Assets$47.73 million
Loans$18.77 million
Deposits$40.79 million
Equity Capital$6.77 million
Loan Loss Allowance$790,000
Unbacked Noncurrent Loans$61,000
Real Estate Owned$195,000
Historic Data - March 2013
Assets$47.19 million
Equity Capital$6.67 million
Loan Loss Allowance$904,000
Unbacked Noncurrent Loans$61,000
Real Estate Owned$195,000
Profit Margin - Quarterly
Net Interest Margin1.46%
Return on Assets0.13%
Return on Equity0.95%
Interest Income$306,000
Rates

Always verify rates and promotions with the bank or credit union. We are not California Community Credit Union, we are a rate comparison website and can not provide official rates or promotions.

California Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.03%$500-Regular Savings Account
0.03%--Junior Saver Account
0.03%$500-Santa’s Helper Account
0.03%$500-Other Savings Account
0.03%$500-IRA Savings Account

California Community Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.18%$100k-Money Market Accounts

California Community Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$500-Checking Account

California Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$100k-60 Month Jumbo Certificate w/Cking & eStatement
1.10%$25k$100k60 Month Mini Jumbo Certificate w/Cking & eStatement
1.05%$1k-60 Month Certificate w/Cking & eStatement
1.02%$100k-60 Month Jumbo Certificate
0.98%$25k$100k60 Month Mini Jumbo Certificate
0.93%$1k-60 Month Certificate
0.85%$100k-48 Month Jumbo Certificate w/Cking & eStatement
0.80%$25k$100k48 Month Mini Jumbo Certificate w/Cking & eStatement
0.75%$1k-48 Month Certificate w/Cking & eStatement
0.73%$100k-48 Month Jumbo Certificate
0.68%$25k$100k48 Month Mini Jumbo Certificate
0.63%$1k-48 Month Certificate
0.50%$100k-36 Month Jumbo Certificate w/Cking & eStatement
0.45%$25k$100k36 Month Mini Jumbo Certificate w/Cking & eStatement
0.40%$100k-24 Month Jumbo Certificate w/Cking & eStatement
0.40%$1k-36 Month Certificate w/Cking & eStatement
0.38%$100k-36 Month Jumbo Certificate
0.35%$25k$100k24 Month Mini Jumbo Certificate w/Cking & eStatement
0.33%$25k$100k36 Month Mini Jumbo Certificate
0.30%$100k-18 Month Jumbo Certificate w/Cking & eStatement
0.30%$1k-24 Month Certificate w/Cking & eStatement
0.28%$1k-36 Month Certificate
0.28%$100k-24 Month Jumbo Certificate
0.25%$100k-12 Month Jumbo Certificate w/Cking & eStatement
0.25%$1k-18 Month Certificate w/Cking & eStatement
0.25%$25k$100k18 Month Mini Jumbo Certificate w/Cking & eStatement
0.23%$25k$100k24 Month Mini Jumbo Certificate
0.22%$25k$100k12 Month Mini Jumbo Certificate w/Cking & eStatement
0.20%$100k-6 Month Jumbo Certificate w/Cking & eStatement
0.20%$1k-12 Month Certificate w/Cking & eStatement
0.20%$500-12 Month Junior Saver Certificate w/Cking & eStatement
0.18%$1k-24 Month Certificate
0.18%$100k-18 Month Jumbo Certificate
0.15%$1k-3 Month Certificate w/Cking & eStatement
0.15%$1k-6 Month Certificate w/Cking & eStatement
0.15%$25k$100k6 Month Mini Jumbo Certificate w/Cking & eStatement
0.13%$1k-18 Month Certificate
0.13%$25k$100k18 Month Mini Jumbo Certificate
0.13%$100k-12 Month Jumbo Certificate
0.10%$25k$100k12 Month Mini Jumbo Certificate
0.08%$1k-12 Month Certificate
0.08%$500-12 Month Junior Saver Certificate
0.08%$100k-6 Month Jumbo Certificate
0.03%$1k-3 Month Certificate
0.03%$1k-6 Month Certificate
0.03%$25k$100k6 Month Mini Jumbo Certificate

California Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.05%$500-60 Month Education IRA Certificate w/Cking & eStatement
1.05%$1k-60 Month IRA Certificate w/Cking & eStatement
0.93%$1k-60 Month IRA Certificate
0.93%$500-60 Month Education IRA Certificate
0.75%$500-48 Month Education IRA Certificate w/Cking & eStatement
0.75%$1k-48 Month IRA Certificate w/Cking & eStatement
0.63%$1k-48 Month IRA Certificate
0.63%$500-48 Month Education IRA Certificate
0.40%$500-36 Month Education IRA Certificate w/Cking & eStatement
0.40%$1k-36 Month IRA Certificate w/Cking & eStatement
0.30%$500-24 Month Education IRA Certificate w/Cking & eStatement
0.30%$1k-24 Month IRA Certificate w/Cking & eStatement
0.28%$1k-36 Month IRA Certificate
0.28%$500-36 Month Education IRA Certificate
0.25%$1k-18 Month IRA Certificate w/Cking & eStatement
0.20%$500-12 Month Education IRA Certificate w/Cking & eStatement
0.20%$1k-12 Month IRA Certificate w/Cking & eStatement
0.18%$1k-24 Month IRA Certificate
0.18%$500-24 Month Education IRA Certificate
0.15%$1k-3 Month IRA Certificate w/Cking & eStatement
0.15%$1k-6 Month IRA Certificate w/Cking & eStatement
0.13%$1k-18 Month IRA Certificate
0.08%$1k-12 Month IRA Certificate
0.08%$500-12 Month Education IRA Certificate
0.03%$1k-3 Month IRA Certificate
0.03%$1k-6 Month IRA Certificate
Locations


California Community Credit Union Locations
Branch Office8815 Folsom BlvdSacramento, CA 95826
Branch Office2900 Standiford Ave Ste 9Modesto, CA 95350
Branch Office2200 Professional Dr Ste 290Roseville, CA 95661
Branch Office4801 Laguna Blvd Ste 101Elk Grove, CA 95758