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Overview / Commentary
P.O. Box 657
Woodland, CA 95776

Yolo Credit Union is headquartered in Woodland and is the 105th largest credit union in the state of California. It is also the 878th largest credit union in the nation. It was established in 1954 and as of December of 2013, it had grown to 47 employees and 16,171 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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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Yolo Credit Union had $1.11 million in non-current loans and owned real-estate with $22.79 million in equity and loan loss allowances on hand to cover it. This gives Yolo Credit Union a Texas Ratio of 4.87% 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 Yolo Credit Union decreased dramatically from 9.72% as of December 31, 2012 to 4.87% as of December 31, 2013, resulting in a positive change of 49.89%.This indicates that the balance sheet and financial strength for Yolo Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Yolo Credit Union has increased its total deposits by $10.81 million, resulting in 6.01% 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.



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 $212.28 million in assets with $22.79 million in equity, resulting in a capitalization level of 10.74%, which is above average.

Institution Statistics

NCUA #9293
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$212.29 million
Loans$129.77 million
Deposits$190.75 million
Equity Capital$20.51 million
Loan Loss Allowance$2.28 million
Unbacked Noncurrent Loans$950,000
Real Estate Owned$160,000
Historic Data - December 2012
Assets$198.42 million
Equity Capital$17.38 million
Loan Loss Allowance$3.37 million
Unbacked Noncurrent Loans$950,000
Real Estate Owned$621,000
Profit Margin - Quarterly
Net Interest Margin4.61%
Return on Assets1.47%
Return on Equity15.25%
Interest Income$6.70 million

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Yolo Credit Union Savings Account Rates

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

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

Yolo Credit Union Checking Account Rates

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

Yolo Credit Union CD Rates

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

1.10%$500-60 Month IRA (Traditional,Roth)
0.75%$500-48-59 Month IRA (Traditional,Roth)
0.50%$500-36-47 Month IRA (Traditional,Roth)
0.35%$500-24-35 Month IRA (Traditional,Roth)
0.30%$500-12-23 Month IRA (Traditional,Roth)

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