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Overview / Commentary
800-613-2328
2580 W Shaw Ln
Fresno, CA 93711-2776

Fresno County Credit Union is headquartered in Fresno and is the 67th largest credit union in the state of California. It is also the 412st largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 149 employees and 59,858 members. Fresno County Credit Union's savings rates are 94% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must be an employee of Fresno County or employee of several Select Employer Groups. - See Details

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Health

Data for Q1 2014

Institution Health

A+

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 Fresno County Credit Union had $1.5 million in non-current loans and owned real-estate with $63.6 million in equity and loan loss allowances on hand to cover it. This gives Fresno County Credit Union a Texas Ratio of 2.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Fresno County Credit Union decreased dramatically from 3.67% as of March 31, 2013 to 2.36% as of March 31, 2014, resulting in a positive change of 35.52%.This indicates that the balance sheet and financial strength for Fresno County Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Fresno County Credit Union has increased its total deposits by $27.66 million, resulting in 6.26% 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 Fresno County Credit Union has shown is excellent.

Capitalization

GRADE:
A

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. Fresno County Credit Union has $542.17 million in assets with $63.6 million in equity, resulting in a capitalization level of 11.73%, which is excellent.

Institution Statistics

Overall
NCUA #24552
Year Chartered1941
Employees149
Primary Regulator
Assets and Liabilities
Assets$542.17 million
Loans$328.18 million
Deposits$469.48 million
Equity Capital$53.91 million
Loan Loss Allowance$9.69 million
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$112,000
Historic Data - March 2013
Assets$497.21 million
Equity Capital$51.74 million
Loan Loss Allowance$11.88 million
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$225,000
Profit Margin - Quarterly
Net Interest Margin1.36%
Return on Assets1.36%
Return on Equity13.67%
Interest Income$5.42 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Fresno County Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Fresno County Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.01%$10k-Health Savings Account
0.25%$25k-Regular Share Savings Account
0.25%$25k-Holiday Club Account

Fresno County Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.35%$500k-IRA Money Market
0.35%$500k-Roth IRA Money Market
0.35%$500k-Educational IRA Money Market
0.30%$500k-Money Market Advantage Savings Account

Fresno County Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$250-Checking Account

Fresno County Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.06%$100k-24 Month Share Certificate
0.95%$100k-24 Month Three Wishes Share Certificate
0.75%$100k-365 - 729 Day Share Certificate
0.40%$100k-180 - 364 Day Share Certificate
0.35%$100k-90 - 179 Day Share Certificate

Fresno County Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.21%$500k-24 Month IRA
0.90%$500k-365-729 Day IRA
0.50%$500k-180-364 Day IRA
0.50%$500k-180-364 Day Education IRA
0.50%$500k-180-364 Day Roth IRA
0.45%$500k-90-179 Day IRA
0.45%$500k-90-179 Day Education IRA
0.45%$500k-90-179 Day Roth IRA
Locations


Fresno County Credit Union Locations
Branch Office8087 N Cedar AveFresno, CA 93720-4827
Branch Office3067 W Bullard AveFresno, CA 93711-1609
Branch Office2580 W Shaw LnFresno, CA 93711-2776
Branch Office300 N Gateway Dr Ste 100Madera, CA 93637-3556
Branch Office4979 E University AveFresno, CA 93727-1618
Branch Office4422 W Ashlan AveFresno, CA 93722-4391
Branch Office1250 Van Ness AveFresno, CA 93721-1700
Branch Office175 N Clovis AveClovis, CA 93612-0304