Dec, 31, 2021 — 1ST NORTHERN CALIFORNIA CREDIT UNION is a federally insured state chartered credit union headquartered in MARTINEZ, CA with 7 branch locations and about $896.05 million in total assets. Opened 73 years ago in 1949, 1ST NORTHERN CALIFORNIA CREDIT UNION has about 31,099 members and employs 77 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | 1ST NORTHERN CALIFORNIA CREDIT UNION |
|---|---|
| Address: (Main Office) | 1111 Pine St MARTINEZ, CA 94553 |
| Phone: | (925) 228-7550 |
| Fax: | |
| Website: | http://www.1stnorcalcu.org/ |
| Branches: | 7 branch locations |
| Members: | 31,099 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68668 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Sep 01, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $896,049,366 |
| CEO/Manager: | David M Green |
| Chairperson: | Stephen J Ybarra |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 55,602,854 |
| TOTAL INVESTMENTS | 531,070,613 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 206,291,528 |
| Unsecured Loans | 6,614,901 |
| Other Loans | 81,227,864 |
| TOTAL LOANS | 294,134,293 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,377,337 |
| Land And Building | 1,899,987 |
| Other Fixed Assets | 1,282,240 |
| NCUSIF Deposit | 7,205,979 |
| All Other Assets | 6,230,737 |
| TOTAL ASSETS | 896,049,366 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 194,104 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 5,931,711 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 128,958,917 |
| Regular shares | 325,556,238 |
| All Other Shares & Deposits | 352,574,321 |
| TOTAL SHARES & DEPOSITS | 807,089,476 |
| TOTAL LIABILITIES | 813,215,291 |
| Regular Reserve | 7,815,921 |
| Other Reserves | 74,457,098 |
| Undivided Earnings | 561,056 |
| TOTAL EQUITY | 82,834,075 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 896,049,366 |
| INCOME & EXPENSE | |
| Loan Income | 8,497,305 |
| Investment Income | 6,420,997 |
| Other Income | 347,511 |
| Total Employee Compensation & Benefits | 7,114,209 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 6,706,239 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | -200,000 |
| Cost of Funds | 1,789,612 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,558,746 |
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