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Overview / Commentary
800-543-5073
266 W Main St
Woodland, CA 95695

Yolo Credit Union is headquartered in Woodland and is the 107th largest credit union in the state of California. It is also the 877th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 48 employees and 16,194 members. Yolo Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Yolo County. - 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 Yolo Credit Union had $836,000 in non-current loans and owned real-estate with $23.16 million in equity and loan loss allowances on hand to cover it. This gives Yolo Credit Union a Texas Ratio of 3.61% 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 Yolo Credit Union experienced no significant changes from 3.95% as of March 31, 2013 to 3.61% as of March 31, 2014, resulting in a positive change of 8.64%.This indicates that the balance sheet and financial strength for Yolo Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Yolo Credit Union has increased its total deposits by $10.74 million, resulting in 5.79% 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 Yolo Credit Union has shown is excellent.

Capitalization

GRADE:
B+

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. Yolo Credit Union has $218.75 million in assets with $23.16 million in equity, resulting in a capitalization level of 10.59%, which is above average.

Institution Statistics

Overall
NCUA #9293
Year Chartered1954
Employees48
Primary Regulator
Assets and Liabilities
Assets$218.75 million
Loans$133.38 million
Deposits$196.34 million
Equity Capital$21.02 million
Loan Loss Allowance$2.13 million
Unbacked Noncurrent Loans$571,000
Real Estate Owned$265,000
Historic Data - March 2013
Assets$205.48 million
Equity Capital$18.00 million
Loan Loss Allowance$3.28 million
Unbacked Noncurrent Loans$571,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.11%
Return on Assets0.93%
Return on Equity9.67%
Interest Income$1.67 million
Rates

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

Yolo Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.03%--Savings Account
0.03%--IRA Savings
0.03%--Roth IRA Savings
0.03%--CESA Savings
0.03%--SEP IRA Savings
0.03%--Holiday Club
0.01%--Health Savings Account

Yolo Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$200k-Premium Money Market
0.10%$10k-Money Market
0.10%$10k-Money Market Checking

Yolo Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.02%--Regular Business Checking
0.01%$5k-Simply Checking
0.01%$5k-Student Checking
0.01%$5k-e-Checking
0.01%--Simply Free Business Checking

Yolo Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month CD
0.75%$500-48-59 Month CD
0.50%$500-36-47 Month CD
0.35%$500-24-35 Month CD
0.35%$500-36-47 Month Step-Up CD
0.30%$500-12-23 Month CD
0.15%$500-6-11 Month CD
0.10%$500-3-5 Month CD

Yolo Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month IRA
0.75%$500-48-59 Month IRA
0.50%$500-36-47 Month IRA
0.35%$500-24-35 Month IRA
0.30%$500-12-23 Month IRA
Locations


Yolo Credit Union Locations
Branch Office501 G StDavis, CA 95616
Branch Office815 Harbor BlvdW Sacramento, CA 95691
Branch Office465 Pioneer AveWoodland, CA 95776
Branch Office266 W Main StWoodland, CA 95695