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301 W Main Street
Bakersfield, CA 93301

Community Trust Credit Union is headquartered in Durham and is the 8th largest credit union in the state of North Carolina. It is also the 394th largest credit union in the nation. It was established in 2008 and as of December of 2013, it had grown to 198 employees and 48,554 members. Community Trust Credit Union's money market rates are 14% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

CTCU membership is open to anyone who lives, works, worships, or attends school in the California counties of Sonoma, Napa, Solano, Kern, Tulare, Kings, Fresno and qualifying zip codes in San Francisco and Oakland; to members of one of the Select Employee Groups, and their family; and to anyone who supports the Center for Community Self-Help (CCSH), Self-Help Federal Credit Union’s non-profit affiliate. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


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 December 31, 2013 Community Trust Credit Union had $12.67 million in non-current loans and owned real-estate with $83.96 million in equity and loan loss allowances on hand to cover it. This gives Community Trust Credit Union a Texas Ratio of 15.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community Trust Credit Union decreased dramatically from 126.65% as of December 31, 2012 to 15.09% as of December 31, 2013, resulting in a positive change of 88.08%.This indicates that the balance sheet and financial strength for Community Trust Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Community Trust Credit Union has increased its total deposits by $123.18 million, resulting in 36% 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 Trust Credit Union 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 Trust Credit Union has $558.41 million in assets with $16.96 million in equity, resulting in a capitalization level of 3.04%, which is poor.

Institution Statistics

NCUA #24802
Year Chartered2008
Primary Regulator
Assets and Liabilities
Assets$558.41 million
Loans$254.66 million
Deposits$465.38 million
Equity Capital$15.49 million
Secondary Capital$67.00 million
Loan Loss Allowance$1.47 million
Unbacked Noncurrent Loans$12.20 million
Real Estate Owned$469,000
Historic Data - December 2012
Assets$410.04 million
Equity Capital$11.16 million
Loan Loss Allowance$2.60 million
Unbacked Noncurrent Loans$12.20 million
Real Estate Owned$779,000
Profit Margin - Quarterly
Net Interest Margin8.26%
Return on Assets0.8%
Return on Equity28.77%
Interest Income$23.37 million

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Community Trust Credit Union Savings Account Rates

0.55%$100-IRA Account
0.55%$100-Roth IRA Account
0.10%$25-Youth Account

Community Trust Credit Union Money Market Rates

0.50%$500k-Money Market

Community Trust Credit Union Checking Account Rates

0.10%$1,500-Checking Growth

Community Trust Credit Union CD Rates

1.26%$500-48 Month Share Certificate
1.26%$500-60 Month Share Certificate
1.01%$500-36 Month Share Certificate
0.75%$500-24 Month Share Certificate
0.55%$500-12 Month Share Certificate
0.55%$500-18 Month Share Certificate
0.25%$500-6 Month Share Certificate
0.25%$500-3 Month Share Certificate

Community Trust Credit Union IRA Rates

1.26%$500-48 Month IRA Certificate (Traditional,Roth)
1.26%$500-60 Month IRA Certificate (Traditional,Roth)
1.01%$500-36 Month IRA Certificate (Traditional,Roth)
0.75%$500-24 Month IRA Certificate (Traditional,Roth)
0.55%$500-12 Month IRA Certificate (Traditional,Roth)
0.55%$500-18 Month IRA Certificate (Traditional,Roth)

Community Trust Credit Union has 27 locations. Click to view all Community Trust Credit Union locations.