North County Credit Union

Overview / Commentary

www.northcountycu.org

858-487-1880

17045 Via Del Campo
San Diego, CA 92127

North County Credit Union is headquartered in San Diego and is the 184^th largest credit union in the state of California. It is also the 2,029^th largest credit union in the nation. It was established in 1953 and as of December of 2019, it had grown to 12 employees and 4,578 members at 2 locations. North County Credit Union's savings rates are 25% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

North County Credit Union is open to those who live, work, worship or go to school in San Diego County. Family and household members are also eligible for membership.
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Health

B+

Data as of Q4 2019

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

Health Grade Components

Overall
NCUA #	68463
Year Chartered	1953
Employees	12
Primary Regulator

Profit Margin
Return on Assets - YTD	0.02%
Return on Equity - YTD	0.25%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$66.9MM$65.7MM
Loans	Q4 2019vs Q4 2018	$46.4MM$51.0MM
Deposits	Q4 2019vs Q4 2018	$60.8MM$54.7MM
Equity Capital	Q4 2019vs Q4 2018	$5.2MM$5.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$218.00K$275.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$130.00K$145.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

North County Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$1	$10k	Pay Yourself First Savings Account
0.05%	$100	-	Membership Savings
0.05%	$100	-	IRA Savings Account
0.05%	$100	-	Coverdell Education Savings Account
0.05%	$100	-	Special Savings Account

North County Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → $2.5k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $100k

North County Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.05%^*	$1	$2.5k	Green Builder Checking Account
OTHER TIERS: 0.25% → $10k+ \| 0.50% → $2.5k - $10k
0.15%	$50k	-	Charter Checking Account

North County Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	$100k^*	-	60 Month Boost Certificate
OTHER TIERS: 1.31% → $2.5k - $50k \| 1.41% → $50k - $100k
1.21%^*	$100k^*	-	48 Month Certificate
OTHER TIERS: 1.00% → $2.5k - $50k \| 1.11% → $50k - $100k
0.95%^*	$100k^*	-	36 Month Boost Certificate
OTHER TIERS: 0.80% → $2.5k - $50k \| 0.85% → $50k - $100k
0.80%^*	$100k^*	-	24 Month Boost Certificate
OTHER TIERS: 0.65% → $2.5k - $50k \| 0.70% → $50k - $100k
0.60%^*	$100k^*	-	12 Month Certificate
OTHER TIERS: 0.40% → $2.5k - $50k \| 0.45% → $50k - $100k
0.35%^*	$100k^*	-	6 Month Certificate
OTHER TIERS: 0.25% → $2.5k - $50k \| 0.30% → $50k - $100k

North County Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.61%^*	$100k^*	-	60 Month Boost IRA Certificate
OTHER TIERS: 1.41% → $1k - $50k \| 1.51% → $50k - $100k
1.61%^*	$100k^*	-	60 Month Boost CESA Certificate
OTHER TIERS: 1.41% → $1k - $50k \| 1.51% → $50k - $100k
1.31%^*	$100k^*	-	48 Month IRA Fixed Rate Certificate
OTHER TIERS: 1.11% → $1k - $50k \| 1.21% → $50k - $100k
1.31%^*	$100k^*	-	48 Month CESA Certificate
OTHER TIERS: 1.11% → $1k - $50k \| 1.21% → $50k - $100k
1.05%^*	$100k^*	-	36 Month IRA Fixed Rate Certificate
OTHER TIERS: 0.91% → $1k - $50k \| 0.95% → $50k - $100k
1.05%^*	$100k^*	-	36 Month CESA Certificate
OTHER TIERS: 0.91% → $1k - $50k \| 0.95% → $50k - $100k
0.91%^*	$100k^*	-	24 Month IRA Fixed Rate Certificate
OTHER TIERS: 0.75% → $1k - $50k \| 0.80% → $50k - $100k
0.91%^*	$100k^*	-	24 Month CESA Certificate
OTHER TIERS: 0.75% → $1k - $50k \| 0.80% → $50k - $100k
0.84%	$1k	-	24 Month IRA Variable Certificate
0.84%	$1k	-	36 Month IRA Variable Certificate
0.70%^*	$100k^*	-	12 Month IRA Fixed Rate Certificate
OTHER TIERS: 0.50% → $1k - $50k \| 0.55% → $50k - $100k
0.70%^*	$100k^*	-	12 Month CESA Certificate
OTHER TIERS: 0.50% → $1k - $50k \| 0.55% → $50k - $100k

Locations

North County Credit Union Locations
Branch Office	17045 Via Del Campo	San Diego, CA 92127
Branch Office	16535 Via Esprillo	San Diego, CA 92127-1738

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