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President’s Corner – 70th Anniversary

“…if you reflect back to when we opened our doors in October 1949, with only $1,211 in Assets and 34 Members.” – 1st Nor Cal Annual Report 2018 Humble beginnings. 34 members deposited an average $35.61 each to start what was then known as Contra Costa County...

Home Banking Updates

We’ve made some changes in Home Banking to better server our members. Here’s the details. Skip a Payment – Members can now process their own Skip a Payment (skip) on eligible loans within Home Banking! Members can skip twice a year (Jan-Dec) and six...

President’s Corner – Inverted Yield Curve

It’s been fun to watch the national media get reacquainted with the term, “inverted yield curve.” An inverted yield curve is when the short-term bond yields are higher than the long-term yields. Logically, this doesn’t make sense because the longer the investment, the...

President’s Corner – Ross Perot

America’s favorite crazy uncle H. Ross Perot died last month. Mr. Perot was best known for his colorful phrases. The movement of U.S. jobs to Mexico, he said, created a “giant sucking sound.” During his unsuccessful 1992 presidential campaign, he derided negative...

President’s Corner – Wake-Up Call

The famous 19th century philosopher Soren Kierkegaard once said, “Life can only be understood backwards; but must be lived forwards.” He believed how we got to where we are today is based on the past. However, life cannot go on unless we live for the future....

President’s Corner – Home Depot v. Jackson

Occasionally, a 1st Nor Cal member gets frustrated because our business practices may come into conflict with member service. I’m sorry that happens, and if I could do anything about it, I would change that particular method of doing business. Unfortunately, we are a...

President’s Corner – Small Victories

Being a San Francisco Giants fan has been frustrating for the past five years since their third World Series championship in 2014. During the down years, Giants fans lower their expectations by rooting to beat their ancient rival, the hated Dodgers. Beating the Bums...

President’s Corner – Modern Monetary Theory

As baseball season gets started, there is a renewal of the new advanced statistics that many believe will improve the quality of the game. OPS (On-Base Percentage plus Slugging Percentage) and Strikeout to Walk ratio have been around for several years, but new metrics...

President’s Corner – Robots

Last month, Walmart told their greeters their jobs would be eliminated. With all the talk about the economy creating full employment for anyone willing to work, it is especially disappointing Walmart made this decision. I started thinking about the other disturbing...

President’s Corner – Business Cycles

The Boston Red Sox were leading the Los Angeles Dodgers two games to one going into Game 4 of the 2018 World Series. Dodger Game 4 starter Rich Hill threw six shutout innings, and the Red Sox looked completely outmatched, down 4-0 as the game advanced to the seventh...