Yolo Credit Union

Yolo Credit Union is headquartered in Woodland and is the 109^th largest credit union in the state of California. It is also the 891^st largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 5 employees and 16,190 members. Yolo Credit Union has a 4-star health rating.

Yolo Credit Union Checking Account Rates

Yolo Credit Union Savings Account Rates

Yolo Credit Union Money Market Rates

Yolo Credit Union CD Rates

Yolo Credit Union IRA Rates

Data for Q4 2012

Institution Statistics YOLO NCUA # 9293 BankRate Report View Year Chartered 1954 Employees 5 Primary Regulator Assets and Liabilities Assets $198.42 million Loans $128.97 million Deposits $179.93 million Equity Capital $17.38 million Loan Loss Allowance $3.37 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $621,000 Historic Data - December 2011 Assets $192.97 million Equity Capital $16.47 million Loan Loss Allowance $3.26 million Unbacked Noncurrent Loans $3.86 million Real Estate Owned $424,000 Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 0.46% Return on Equity 5.25% Interest Income $7.00 million Non-Interest Income $4.36 million

Institution Health Overall Score: 4 out of 5 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, 2012 Yolo Credit Union had $2.02 million in non-current loans and owned real-estate with $20.76 million in equity and loan loss allowances on hand to cover it. This gives Yolo Credit Union a Texas Ratio of 9.72% which is above average. 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 significantly from 21.70% as of December 31, 2011 to 9.72% as of December 31, 2012, resulting in a positive change of 55.22%.This indicates that the balance sheet and financial strength for Yolo Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Yolo Credit Union has increased its total deposits by $4.81 million, resulting in 2.75% 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 above average. Capitalization 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 $198.42 million in assets with $20.76 million in equity, resulting in a capitalization level of 10.46%, which is above average.

No reviews have been left for this bank yet. Be the first to review.