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Overview / Commentary
877-811-8190
1051 Detroit Ave Ste A
Concord, CA 94518

Diablo Valley Credit Union is headquartered in Concord and is the 246th largest credit union in the state of California. It is also the 2,929th largest credit union in the nation. It was established in 1961 and as of March of 2014, it had grown to 7 employees and 2,788 members. Diablo Valley Credit Union has a C health rating.

Field of Membership Restrictions

Must live, worship, work or attend school in Alamo, Blackhawk, Clayton, Concord, Danville, Lafayette, Martinez, Moraga, Mountain View, Orinda, Pacheco, Pleasant Hill, San Ramon or Walnut Creek in Contra Costa County, California. - See Details

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Health

Data for Q1 2014

Institution Health

C
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Diablo Valley 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 Diablo Valley Credit Union had $287,000 in non-current loans and owned real-estate with $2.76 million in equity and loan loss allowances on hand to cover it. This gives Diablo Valley Credit Union a Texas Ratio of 10.38% 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 Diablo Valley Credit Union increased slightly from 0.79% as of March 31, 2013 to 10.38% as of March 31, 2014, resulting in a negative change of 1,205.96%. This indicates that the balance sheet and financial strength for Diablo Valley Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, Diablo Valley Credit Union has decreased its total deposits by -$1.5 million, resulting in -5.05% 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 Diablo Valley Credit Union has shown is below average.

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. Diablo Valley Credit Union has $30.98 million in assets with $2.76 million in equity, resulting in a capitalization level of 8.92%, which is average.

Institution Statistics

Overall
NCUA #14409
Year Chartered1961
Employees7
Primary Regulator
Assets and Liabilities
Assets$30.98 million
Loans$20.00 million
Deposits$28.28 million
Equity Capital$2.48 million
Loan Loss Allowance$287,000
Unbacked Noncurrent Loans$287,000
Real Estate Owned$0
Historic Data - March 2013
Assets$32.38 million
Equity Capital$2.45 million
Loan Loss Allowance$321,000
Unbacked Noncurrent Loans$287,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.94%
Return on Equity11.78%
Interest Income$278,000
Rates
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Diablo Valley Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Regular Share Account
0.05%--All Club Account
0.05%--Christmas Club Account
0.05%--Traditional IRA Account
0.05%--Roth IRA Account
0.05%--Educational IRA Account

Diablo Valley Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$100k-Money Market Account

Diablo Valley Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.40%$10k-36 Month CD
0.25%$10k-24 Month CD
0.20%$10k-12 Month CD
0.15%$10k-6 Month CD

Diablo Valley Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.40%$10k-36 Month IRA
0.25%$10k-24 Month IRA
0.20%$10k-12 Month IRA
0.15%$10k-6 Month IRA
Locations


Diablo Valley Credit Union Locations
Branch Office2640 Shadelands DrWalnut Creek, CA 94598
Branch Office1051 Detroit Ave Ste AConcord, CA 94518-2457