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Overview / Commentary
30 N San Pedro Rd Ste 115
San Rafael, CA 94903-4128

Marin County Credit Union is headquartered in San Rafael and is the 192nd largest credit union in the state of California. It is also the 2,088th largest credit union in the nation. It was established in 1963 and as of March of 2014, it had grown to 7 employees and 4,550 members. Marin County Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Marin County. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Marin County Credit Union has a relatively low asset base.

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 Marin County Credit Union had $246,000 in non-current loans and owned real-estate with $5.6 million in equity and loan loss allowances on hand to cover it. This gives Marin County Credit Union a Texas Ratio of 4.39% 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 Marin County Credit Union decreased dramatically from 7.69% as of March 31, 2013 to 4.39% as of March 31, 2014, resulting in a positive change of 42.89%.This indicates that the balance sheet and financial strength for Marin County Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Marin County Credit Union has increased its total deposits by $61,000, resulting in 0.11% 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 Marin County 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. Marin County Credit Union has $60.29 million in assets with $5.6 million in equity, resulting in a capitalization level of 9.29%, which is average.

Institution Statistics

NCUA #15659
Year Chartered1963
Primary Regulator
Assets and Liabilities
Assets$60.29 million
Loans$17.23 million
Deposits$54.71 million
Equity Capital$5.36 million
Loan Loss Allowance$243,000
Unbacked Noncurrent Loans$246,000
Real Estate Owned$0
Historic Data - March 2013
Assets$59.90 million
Equity Capital$5.05 million
Loan Loss Allowance$372,000
Unbacked Noncurrent Loans$246,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.44%
Return on Equity4.93%
Interest Income$391,000
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Marin County Credit Union Savings Account Rates

0.25%$100-IRA Share Savings Account
0.10%$100-Primary Share Savings Account

Marin County Credit Union Checking Account Rates

0.05%$50k-Share Checking Account

Marin County Credit Union CD Rates

0.45%$10k-36 Month CD
0.30%$1k-24 Month CD
0.20%$1k-18 Month CD
0.15%$1k-12 Month CD
0.10%$1k-6 Month CD
0.05%$5k-3 Month CD

Marin County Credit Union IRA Rates

0.45%$10k-36 Month IRA
0.30%$1k-24 Month IRA
0.20%$1k-18 Month IRA
0.15%$1k-12 Month IRA
0.10%$1k-6 Month IRA
0.05%$5k-3 Month IRA

Marin County Credit Union Locations
Branch Office30 N San Pedro Rd Ste 115San Rafael, CA 94903-4128