California Community Credit Union Sacramento, California
California Community Credit Union is a state-chartered credit union headquartered in Sacramento, CA, established in 1939 (NCUA charter 68321), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,015 members and total assets of $82.5M (up 3.1% from Q2 2025), the 160th largest of 238 credit unions headquartered in California. Its net worth ratio was 12.20% at Q2 2026, in the well capitalized band.
Also written as California Community CU · Trade name filed with the NCUA: N/A
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68321
- Headquarters
- Sacramento, CA
- Established
- 1939
- Total assets, Q2 2026
- $82.5M
- Assets vs Q2 2025
- +3.1%
- Members, Q2 2026
- 4,015
- Net worth ratio, Q2 2026
- 12.20%
- Latest call report
- Q2 2026, NCUA 5300 · California Community Credit Union call report
- Asset rank in state
- 160th of 238 in California
- Routing number
- 321175643
- Branches
- 3
It has 228 fewer members than on June 30, 2025 (-5.4%). Its net worth ratio was up 0.02 percentage points from 12.18% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $12.0M of $29.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.07% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.20% net worth ratio is below that band's 14.31% median.
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Credit unions merged into California Community Credit Union
Frequently asked about California Community Credit Union
How big is California Community Credit Union?
At Q2 2026 it reported total assets of $82.5M and 4,015 members.
Where is California Community Credit Union headquartered?
It is headquartered in Sacramento, CA, United States.
When was California Community Credit Union founded?
It was established in 1939, per NCUA records.
Is California Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68321): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates California Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is California Community Credit Union well capitalized?
Its net worth ratio was 12.20% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is California Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.07% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is California Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 40.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sacramento, CA 95826
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 68321
- RSSD ID
- 590873
- Members
- 4,015
- Potential members
- 38,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.20% | 14.31% | 33rd below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.55% | 0.72% | 42nd below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.49% | 4.74% | 48th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.09% | 3.93% | 19th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 86.93% | 79.83% | 35th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.53% | 0.78% | 65th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.07% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.62% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 40.66% | 58.92% | 23rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$82.5M total assets against $80.1M; $71.5M total shares and deposits against $69.2M; $29.1M total loans against $30.0M.
$10.1M net worth against $9.8M.
12.20% net worth ratio against 12.18%.
40.66% loan-to-share ratio against 43.30%.
0.07% delinquency ratio against 0.10%.
0.55% return on assets against 0.42%; 4.49% return on equity against 3.45%.
3.09% net interest margin against 3.14%.
4,015 members against 4,243.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.20% | 0.55% | 0.07% | 40.66% |
| March 31, 2026 | 12.53% | 0.45% | 0.19% | 41.89% |
| December 31, 2025 | 12.52% | 0.34% | 0.43% | 43.73% |
| September 30, 2025 | 12.42% | 0.21% | 0.20% | 42.47% |
| June 30, 2025 | 12.18% | 0.42% | 0.10% | 43.30% |
| March 31, 2025 | 11.94% | 0.30% | 0.12% | 41.47% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.