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Overview / Commentary
800-890-3540
1105 N Dutton Ave Ste A
Santa Rosa, CA 95401-4683

Community First CU (CA) is headquartered in Santa Rosa and is the 119st largest credit union in the state of California. It is also the 1,057th largest credit union in the nation. It was established in 1961 and as of March of 2014, it had grown to 49 employees and 16,207 members. Community First CU (CA)'s savings rates are 14X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live in Sonoma or Mendocino County. - See Details

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
B+

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 First CU (CA) had $1.7 million in non-current loans and owned real-estate with $14.92 million in equity and loan loss allowances on hand to cover it. This gives Community First CU (CA) a Texas Ratio of 11.42% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Community First CU (CA) decreased slightly from 14.22% as of March 31, 2013 to 11.42% as of March 31, 2014, resulting in a positive change of 19.66%.This indicates that the balance sheet and financial strength for Community First CU (CA) has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Community First CU (CA) has increased its total deposits by $11.62 million, resulting in 8.22% 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.

Capitalization

GRADE:
C

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 $168.66 million in assets with $14.92 million in equity, resulting in a capitalization level of 8.85%, which is average.

Institution Statistics

Overall
NCUA #67895
Year Chartered1961
Employees49
Primary Regulator
Assets and Liabilities
Assets$168.66 million
Loans$108.26 million
Deposits$152.94 million
Equity Capital$14.04 million
Loan Loss Allowance$880,000
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$510,000
Historic Data - March 2013
Assets$157.00 million
Equity Capital$12.87 million
Loan Loss Allowance$1.38 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$808,000
Profit Margin - Quarterly
Return on Assets0.72%
Return on Equity8.61%
Interest Income$1.47 million
Rates

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Community First CU (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
7.07%$50$500Youth 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

Community First CU (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Advantage Money Market Account
0.15%$100k-Money Market Account
0.15%$100k-Business Money Market Account

Community First CU (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-Plus Checking Account
0.05%$5k-Investor Checking Account
0.05%$1k-iChecking Account

Community First CU (CA) CD Rates

DetailsAPYMINMAXPRODUCT
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
Locations


Community First CU (CA) Locations
Branch Office1105 N Dutton Ave Ste ASanta Rosa, CA 95401-4683
Branch Office501 College AveSanta Rosa, CA 95404-4102
Branch Office70 Stony Point Rd Ste ASanta Rosa, CA 95401
Branch Office16200 Main StGuerneville, CA 95446
Branch Office32 North StHealdsburg, CA 95448
Branch Office130 Petaluma Ave Ste 1ASebastopol, CA 95472
Branch Office1100 Trancas St Ste 105Napa, CA 94558-2904