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Overview / Commentary
707-923-2012
757 Redwood Drive
Garberville, CA 95542

Community C.U. Of So. Humboldt Credit Union is headquartered in Garberville and is the 185th largest credit union in the state of California. It is also the 1,990th largest credit union in the nation. It was established in 1980 and as of March of 2014, it had grown to 22 employees and 5,249 members. Community C.U. Of So. Humboldt Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live or work within the boundaries of the Pacific Ocean on the west, Centerville Road on the north, the County Line of Trinity on the east and Fourth Standard Parallel west to the Pacific on the south. Also open to those who live or work in the towns of Ferndale, Fernbridge, Alton, Carlotta, Bridgeville or Mad River, which are located along Highway 211 and Highway 36. - 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. Community C.U. Of So. Humboldt Credit Union has a relatively 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 Community C.U. Of So. Humboldt Credit Union had $683,000 in non-current loans and owned real-estate with $7.16 million in equity and loan loss allowances on hand to cover it. This gives Community C.U. Of So. Humboldt Credit Union a Texas Ratio of 9.53% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Community C.U. Of So. Humboldt Credit Union experienced no significant changes from 9.26% as of March 31, 2013 to 9.53% as of March 31, 2014, resulting in a negative change of 2.90%. This indicates that the balance sheet and financial strength for Community C.U. Of So. Humboldt Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Community C.U. Of So. Humboldt Credit Union has increased its total deposits by $4.09 million, resulting in 7.75% 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 Community C.U. Of So. Humboldt Credit Union has shown is excellent.

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. Community C.U. Of So. Humboldt Credit Union has $65.42 million in assets with $7.16 million in equity, resulting in a capitalization level of 10.95%, which is above average.

Institution Statistics

Overall
NCUA #65388
Year Chartered1980
Employees22
Primary Regulator
Assets and Liabilities
Assets$65.42 million
Loans$44.89 million
Deposits$56.83 million
Equity Capital$6.94 million
Loan Loss Allowance$225,000
Unbacked Noncurrent Loans$229,000
Real Estate Owned$454,000
Historic Data - March 2013
Assets$60.15 million
Equity Capital$6.15 million
Loan Loss Allowance$247,000
Unbacked Noncurrent Loans$229,000
Real Estate Owned$525,000
Profit Margin - Quarterly
Return on Assets0.99%
Return on Equity9.34%
Interest Income$745,000
Rates

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Community C.U. Of So. Humboldt Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k-Health Savings Account
0.20%$20-Holiday Club Account
0.15%$100-Membership Savings Account
0.15%$100-Special Savings Account

Community C.U. Of So. Humboldt Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k-Money Market Checking Account

Community C.U. Of So. Humboldt Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Regular Checking Account

Community C.U. Of So. Humboldt Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.82%$10k-60 Month Share Certificate
1.46%$10k-48 Month Share Certificate
1.01%$10k-36 Month Share Certificate
0.50%$10k-24 Month Share Certificate
0.35%$10k-12 Month Share Certificate
0.35%$10k-18 Month Share Certificate
0.30%$10k-6 Month Share Certificate
0.20%$10k-3 Month Share Certificate

Community C.U. Of So. Humboldt Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.82%$10k-60 Month IRA Share Certificate
1.46%$10k-48 Month IRA Share Certificate
1.01%$10k-36 Month IRA Share Certificate
0.50%$10k-24 Month IRA Share Certificate
0.35%$10k-12 Month IRA Share Certificate
0.35%$10k-18 Month IRA Share Certificate
0.30%$10k-6 Month IRA Share Certificate
0.20%$10k-3 Month IRA Share Certificate
Locations


Community C.U. Of So. Humboldt Credit Union Locations
Branch Office757 Redwood DrGarberville, CA 95542-3116