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Overview / Commentary
800 H St
Sacramento, CA 95814-2607

Sacramento Credit Union is headquartered in Sacramento and is the 82nd largest credit union in the state of California. It is also the 579th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 77 employees and 24,117 members. Sacramento Credit Union has a A+ health rating.

Field of Membership Restrictions

Eligible to any and all persons who live or regularly work in select counties in California as well as all businesses, corporations or other legal entities located in these counties. - 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 Sacramento Credit Union had $81,000 in non-current loans and owned real-estate with $49.18 million in equity and loan loss allowances on hand to cover it. This gives Sacramento Credit Union a Texas Ratio of 0.16% 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 Sacramento Credit Union decreased dramatically from 0.81% as of March 31, 2013 to 0.16% as of March 31, 2014, resulting in a positive change of 79.76%.This indicates that the balance sheet and financial strength for Sacramento Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Sacramento Credit Union has increased its total deposits by $14.63 million, resulting in 4.63% 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 Sacramento 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. Sacramento Credit Union has $381.73 million in assets with $49.18 million in equity, resulting in a capitalization level of 12.88%, which is excellent.

Institution Statistics

NCUA #62641
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$381.73 million
Loans$140.95 million
Deposits$330.90 million
Equity Capital$47.11 million
Loan Loss Allowance$2.08 million
Unbacked Noncurrent Loans$81,000
Real Estate Owned$0
Historic Data - March 2013
Assets$363.95 million
Equity Capital$44.02 million
Loan Loss Allowance$2.56 million
Unbacked Noncurrent Loans$81,000
Real Estate Owned$59,000
Profit Margin - Quarterly
Net Interest Margin1.03%
Return on Assets0.48%
Return on Equity3.87%
Interest Income$2.07 million

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Sacramento Credit Union Savings Account Rates

0.06%$10k-Share Accounts
0.06%$10k-IRA Share Account
0.06%$10k-Business Savings
0.06%$10k-Roth IRA Share Account
0.06%$10k-CESA Share Account
0.05%$100k-Business Sweep Account

Sacramento Credit Union Money Market Rates

0.17%$100k-Premium Money Market
0.15%$100k-Money Market
0.15%$100k-Business Money Market

Sacramento Credit Union Checking Account Rates

1.56%-$15kFree Rewards - Qualifying
0.01%--Free Rewards - Non Qualifying
0.01%$10k-Free Super Interest
0.01%--Free Interest Checking
0.01%$5k-Business Interest Checking

Sacramento Credit Union CD Rates

1.18%$100k-60 Month CD
1.18%$100k-Business 60 Month CD
0.89%$100k-48 Month CD
0.89%$100k-Business 48 Month CD
0.55%$50k-36 Month CD
0.55%$50k-Business 36 Month CD
0.36%$50k-30 Month CD
0.36%$50k-Business 30 Month CD
0.34%$50k-24 Month CD
0.34%$50k-Business 24 Month CD
0.26%$100k-18 Month CD
0.26%$100k-Business 18 Month CD
0.25%$100k-12 Month CD
0.25%$100k-Business 12 Month CD
0.18%$1k-6 Month CD
0.18%$1k-Business 6 Month CD
0.08%$1k-3 Month CD
0.08%$1k-Business 3 Month CD

Sacramento Credit Union IRA Rates

1.18%$100k-60 Month IRA
0.89%$100k-48 Month IRA
0.55%$50k-36 Month IRA
0.36%$50k-30 Month IRA
0.34%$50k-24 Month IRA
0.26%$100k-18 Month IRA
0.25%$100k-12 Month IRA
0.18%$500-6 Month IRA

Sacramento Credit Union Locations
Branch Office8100 Madison AveFair Oaks, CA 95628-3756
Branch Office800 H StSacramento, CA 95814-2607
Branch Office3660 Bradshaw RdSacramento, CA 95827-3239
Branch Office8351 Elk Grove Blvd Ste 600Elk Grove, CA 95758
Branch Office6600 Bruceville Rd Kaiser HospitalSacramento, CA 95823-4671
Branch Office3045 Arden WaySacramento, CA 95825