Charter 68668 · Martinez, CA
1st Northern California Credit Union
1st Northern California Credit Union is a state-chartered credit union in Martinez, California, with $829 million in assets and 32,174 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.81%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as 1st Nor Cal.
- Total assets
- $829 million
- +5.1% in a year
- Members
- 32,174
- -1.4% in a year
- Net worth ratio
- 11.81%
- Peer median 10.79%
- Loans 60+ days late
- 0.03%
- Peer median 0.67%
- Loans outstanding
- $420 million
- +11.2% in a year
- Shares and deposits
- $720 million
- +4.9% in a year
- Branches
- 6
- 93 employees
- Opened
- 1949
- California charter
How 1st Northern California Credit Union compares
NCUA groups credit unions by size; 1st Northern California Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.81% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.03%, is lower than the group median of 0.67%. Loans grew 11.2% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 76 of 239 credit unions headquartered in California. See all California credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $829 million | 32,174 | $420 million | 11.81% | 0.03% |
| Q1 2026 | $825 million | 32,353 | $404 million | 11.71% | 0.03% |
| Q4 2025 | $808 million | 33,640 | $399 million | 11.83% | 0.05% |
| Q3 2025 | $800 million | 33,325 | $394 million | 11.88% | 0.06% |
| Q2 2025 | $789 million | 32,647 | $378 million | 11.87% | 0.04% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.3 million potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 6 sites for 1st Northern California Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Martinez (main office)
1111 Pine St, Martinez, CA 94553 - Muir Station
538 Center Ave, Martinez, CA 94553 - Richmond
2500 Nevin Ave, Richmond, CA 94804 - Pittsburg/Antioch
4261 Century Blvd, Pittsburg, CA 94565 - Benicia
560 1St St Ste B106, Benicia, CA 94510 - Brentwood
8660 Brentwood Blvd Ste E, Brentwood, CA 94513
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology