Charter 64835 · San Jose, CA
F3 Credit Union
F3 Credit Union is a state-chartered credit union in San Jose, California, with $237 million in assets and 12,710 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 18.47%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $237 million
- -0.5% in a year
- Members
- 12,710
- -1.4% in a year
- Net worth ratio
- 18.47%
- Peer median 11.65%
- Loans 60+ days late
- 1.05%
- Peer median 0.70%
- Loans outstanding
- $108 million
- -0.0% in a year
- Shares and deposits
- $197 million
- -1.9% in a year
- Branches
- 4
- 36 employees
- Opened
- 1931
- California charter
How F3 Credit Union compares
NCUA groups credit unions by size; F3 Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 18.47% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.05%, is higher than the group median of 0.70%. Loans fell 0.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 114 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 | $237 million | 12,710 | $108 million | 18.47% | 1.05% |
| Q1 2026 | $239 million | 12,873 | $114 million | 18.07% | 0.98% |
| Q4 2025 | $240 million | 13,030 | $109 million | 17.88% | 1.14% |
| Q3 2025 | $239 million | 12,911 | $110 million | 17.75% | 1.03% |
| Q2 2025 | $238 million | 12,896 | $108 million | 17.67% | 0.97% |
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 40,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for F3 Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
1040 Leigh Ave, San Jose, CA 95126 - San Francisco Branch
175 Mendell St, San Francisco, CA 94124 - North San Jose Branch
1750 Lundy Ave, San Jose, CA 95101 - Oakland Branch
480 Roland Way Ste 102, Oakland, CA 94621
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