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Financial Safety & Soundness

As a member-owned, not-for-profit financial institution, the health of our credit union and our members’ financial well-being are our top priorities. Our focus on protecting our members’ funds through sound business practices has resulted in an exceptionally strong financial institution that will always be here to serve and support you.

Financial Security

We are highly capitalized, with a net worth ratio of 9.66%, which well exceeds regulatory requirements for well capitalized credit unions. With $4.5 billion in assets, our cash and liquidity position is very strong and well above peer average, which allows us to safely secure our members’ deposits. California Credit Union is also rated "superior" by Bauer Financial, an independent agency that evaluates the financial strength of financial institutions.

Diversified Member Base & Operations

We have a balanced, stable, and diversified mostly retail deposit base of nearly 200,000 members working in a wide variety of industries and communities across Southern California and beyond. Because we are not focused on any one sector, we remain strong even if there are economic challenges within a particular industry. And, we are not involved in, or reliant on, more risky sectors, such as cryptocurrency trading or technology start-ups, either in our investment strategies or our deposit base.

Federal Deposit Insurance

Member deposits are federally insured through the National Credit Union Administration (NCUA), a U.S. government agency. Credit union members have never lost a penny of insured savings at a federally insured credit union. You can find more information about your NCUA insurance coverage here.

We’ve been in business for 90 years, with a long history of serving members who want safety, security, and reliability from their financial institution. We will continue to serve the best interests of our members and their financial future through conservative financial management and extraordinary service.