Community First CU (CA) is headquartered in Santa Rosa and is the 120th largest credit union in the state of California. It is also the 1,064th largest credit union in the nation. It was established in 1961 and as of September of 2013, it had grown to 49 employees and 16,417 members. Community First CU (CA)'s savings rates are 14X the national average, and it has a B+ health rating.
Must live in Sonoma or Mendocino County. - See Details
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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 September 30, 2013 Community First CU (CA) had $1.86 million in non-current loans and owned real-estate with $14.38 million in equity and loan loss allowances on hand to cover it. This gives Community First CU (CA) a Texas Ratio of 12.95% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Community First CU (CA) decreased dramatically from 22.90% as of September 30, 2012 to 12.95% as of September 30, 2013, resulting in a positive change of 43.47%.This indicates that the balance sheet and financial strength for Community First CU (CA) has improved dramatically in recent periods.
In the past year, Community First CU (CA) has increased its total deposits by $18.65 million, resulting in 14.58% 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 First CU (CA) has shown is excellent.
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 First CU (CA) has $162.24 million in assets with $14.38 million in equity, resulting in a capitalization level of 8.87%, which is average.
|Assets and Liabilities|
|Equity Capital||$13.17 million|
|Loan Loss Allowance||$1.21 million|
|Unbacked Noncurrent Loans||$1.29 million|
|Real Estate Owned||$577,000|
|Historic Data - September 2012|
|Equity Capital||$11.88 million|
|Loan Loss Allowance||$1.90 million|
|Unbacked Noncurrent Loans||$1.29 million|
|Real Estate Owned||$720,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.82%|
|Return on Assets||0.97%|
|Return on Equity||11.96%|
|Interest Income||$4.32 million|
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|7.07%||$50||$500||Youth Saver Account Special|
|0.50%||$100||-||IRA Share Account|
|0.50%||$100||-||Roth IRA Share Account|
|0.10%||$100||-||Prime Share Savings Account|
|0.10%||$100||-||Holiday Club Account|
|0.10%||$100||-||Vacation Club Account|
|0.20%||$100k||-||Advantage Money Market Account|
|0.15%||$100k||-||Money Market Account|
|0.15%||$100k||-||Business Money Market Account|
|0.05%||$1k||-||Plus Checking Account|
|0.05%||$5k||-||Investor Checking Account|
|0.55%||$75k||-||36 Month Mini Jumbo Saver Certificate|
|0.50%||$10k||-||36 Month Saver Certificate|
|0.40%||$75k||-||24 Month Mini Jumbo Saver Certificate|
|0.35%||$10k||-||24 Month Saver Certificate|
|0.30%||$75k||-||18 Month Mini Jumbo Saver Certificate|
|0.25%||$10k||-||18 Month Saver Certificate|
|0.25%||$75k||-||12 Month Mini Jumbo Saver Certificate|
|0.20%||$10k||-||12 Month Saver Certificate|
|0.20%||$75k||-||9 Month Mini Jumbo Saver Certificate|
|0.15%||$10k||-||9 Month Saver Certificate|
|0.15%||$75k||-||6 Month Mini Jumbo Saver Certificate|
|0.10%||$10k||-||6 Month Saver Certificate|
|0.10%||$75k||-||3 Month Mini Jumbo Saver Certificate|
|0.05%||$10k||-||3 Month Saver Certificate|
|Community First CU (CA) Locations|
|Branch Office||1105 N Dutton Ave Ste A||Santa Rosa, CA 95401-4683|
|Branch Office||501 College Ave||Santa Rosa, CA 95404-4102|
|Branch Office||70 Stony Point Rd Ste A||Santa Rosa, CA 95401|
|Branch Office||16200 Main St||Guerneville, CA 95446|
|Branch Office||32 North St||Healdsburg, CA 95448|
|Branch Office||130 Petaluma Ave Ste 1A||Sebastopol, CA 95472|
|Branch Office||1100 Trancas St Ste 105||Napa, CA 94558-2904|