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Overview / Commentary
580 University Ave
Sacramento, CA 95825

First U.S. Community Credit Union is headquartered in Sacramento and is the 99th largest credit union in the state of California. It is also the 778th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 55 employees and 19,296 members. First U.S. Community Credit Union has a A health rating.

Field of Membership Restrictions

Must live, work or worship in Sacramento, Amador, Contra Costa, El Dorado, Nevada, Placer, San Joaquin, Sierra, Solano, Sutter, Yolo or Yuba county or be a federal employee in California. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


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 First U.S. Community Credit Union had $927,000 in non-current loans and owned real-estate with $27.26 million in equity and loan loss allowances on hand to cover it. This gives First U.S. Community Credit Union a Texas Ratio of 3.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for First U.S. Community Credit Union experienced no significant changes from 3.24% as of March 31, 2013 to 3.40% as of March 31, 2014, resulting in a negative change of 4.90%. This indicates that the balance sheet and financial strength for First U.S. Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, First U.S. Community Credit Union has increased its total deposits by $5.05 million, resulting in 2.22% 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 First U.S. Community Credit Union has shown is above average.



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. First U.S. Community Credit Union has $260.16 million in assets with $27.26 million in equity, resulting in a capitalization level of 10.48%, which is above average.

Institution Statistics

NCUA #68474
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$260.16 million
Loans$145.22 million
Deposits$232.59 million
Equity Capital$26.11 million
Loan Loss Allowance$1.15 million
Unbacked Noncurrent Loans$180,000
Real Estate Owned$747,000
Historic Data - March 2013
Assets$253.68 million
Equity Capital$24.46 million
Loan Loss Allowance$1.83 million
Unbacked Noncurrent Loans$180,000
Real Estate Owned$450,000
Profit Margin - Quarterly
Return on Assets0.69%
Return on Equity6.91%
Interest Income$1.86 million

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First U.S. Community Credit Union Savings Account Rates

0.50%--Extreme Savings
0.20%$300-Health Savings Account
0.07%$100-IRA Shares
0.07%$100-Roth IRA Shares
0.07%$100-CESA Shares
0.06%$10k-Money Market Savings
0.04%$100-Regular Savings
0.04%$100-Custom Share Account

First U.S. Community Credit Union Money Market Rates

0.18%$150k-Platinum Money Market
0.15%$100k-Premier Plus Money Market
0.15%$75k-Gold Money Market
0.15%$100k-IRA Premier Plus Money Market
0.10%$25k-Premier Money Market
0.10%$35k-Silver Money Market
0.10%$25k-IRA Premier Money Market

First U.S. Community Credit Union Checking Account Rates

2.00%-$500Better Than Free Checking
0.10%$100k-Ultimate Checking
0.04%$20k-Money Market Checking
0.02%$300-Dividend Checking

First U.S. Community Credit Union CD Rates

1.30%$50k-84 Month CD
1.25%$50k-72-83 Month CD
1.20%$50k-60-71 Month CD
0.90%$50k-48-59 Month CD
0.65%$50k-36-47 Month CD
0.40%$500-24-29 Month CD
0.40%$500-30-35 Month CD
0.30%$500-18-23 Month CD
0.25%$500-12-17 Month CD
0.20%$500-6-11 Month CD
0.10%$500-3-5 Month CD

First U.S. Community Credit Union IRA Rates

1.30%$50k-84 Month IRA
1.25%$50k-72-83 Month IRA
1.20%$50k-60-71 Month IRA
0.90%$50k-48-59 Month IRA
0.65%$50k-36-47 Month IRA
0.40%$500-24-29 Month IRA
0.40%$500-30-35 Month IRA
0.30%$500-18-23 Month IRA
0.25%$500-12-17 Month IRA
0.20%$500-6-11 Month IRA
0.10%$500-3-5 Month IRA

First U.S. Community Credit Union Locations
Branch Office2100 Nevada City HwyGrass Valley, CA 95945
Branch Office424 Grass Valley HwyAuburn, CA 95603
Branch Office1335 J StSacramento, CA 95814
Branch Office580 University AveSacramento, CA 95825
Branch Office6843 Lonetree Blvd Ste 101Rocklin, CA 95765-5880
Branch Office2150 Watt AveSacramento, CA 95825