1st Northern California Credit Union Martinez, California
1st Northern California Credit Union is a state-chartered credit union headquartered in Martinez, CA, established in 1949 (NCUA charter 68668), and it is regulated and insured by the NCUA. At Q2 2026 it reported 32,174 members and total assets of $829.0M (up 5.1% from Q2 2025), the 76th largest of 238 credit unions headquartered in California. Its net worth ratio was 11.81% at Q2 2026, in the well capitalized band.
Also written as 1st Northern California CU · Trade name filed with the NCUA: 1st Nor Cal
BankRegReports is independent of 1st Northern California Credit Union and never asks for online banking logins or passwords.
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
- 68668
- Headquarters
- Martinez, CA
- Established
- 1949
- Total assets, Q2 2026
- $829.0M
- Assets vs Q2 2025
- +5.1%
- Members, Q2 2026
- 32,174
- Net worth ratio, Q2 2026
- 11.81%
- Latest call report
- Q2 2026, NCUA 5300 · 1st Northern California Credit Union call report
- Asset rank in state
- 76th of 238 in California
- Routing number
- 321173182
- Branches
- 6
It has 473 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was down 0.06 percentage points from 11.87% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $241.3M of $419.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.81% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in California
Credit unions merged into 1st Northern California Credit Union
C & H Sugar Employees Federal Credit Union (2020) · Pittsburg Employees Federal Credit Union (2014)
Frequently asked about 1st Northern California Credit Union
How big is 1st Northern California Credit Union?
At Q2 2026 it reported total assets of $829.0M and 32,174 members.
Where is 1st Northern California Credit Union headquartered?
It is headquartered in Martinez, CA, United States.
When was 1st Northern California Credit Union founded?
It was established in 1949, per NCUA records.
Is 1st Northern California Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68668): 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 1st Northern California 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 1st Northern California Credit Union well capitalized?
Its net worth ratio was 11.81% 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 1st Northern California Credit Union's delinquency ratio?
Its delinquency ratio was 0.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 1st Northern California Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 58.29% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Martinez, CA 94553
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 68668
- RSSD ID
- 11387
- Members
- 32,174
- Potential members
- 3,280,420
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B 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: 9.81% to 13.58% | 11.81% | 11.43% | 54th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.59% | 0.81% | 36th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.00% | 7.02% | 34th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.74% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.11% | 76.55% | 41st below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.11% | 1.24% | 60th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.03% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 3.85% | 4.92% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 58.29% | 75.66% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$829.0M total assets against $788.7M; $720.1M total shares and deposits against $686.4M; $419.7M total loans against $377.6M.
$97.9M net worth against $93.7M.
11.81% net worth ratio against 11.87%.
58.29% loan-to-share ratio against 55.00%.
0.03% delinquency ratio against 0.04%.
0.59% return on assets against 0.74%; 5.00% return on equity against 6.20%.
2.74% net interest margin against 2.69%.
32,174 members against 32,647.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.81% | 0.59% | 0.03% | 58.29% |
| March 31, 2026 | 11.71% | 0.52% | 0.03% | 56.18% |
| December 31, 2025 | 11.83% | 0.28% | 0.05% | 56.91% |
| September 30, 2025 | 11.88% | 0.72% | 0.06% | 56.86% |
| June 30, 2025 | 11.87% | 0.74% | 0.04% | 55.00% |
| March 31, 2025 | 11.78% | 0.63% | 0.02% | 51.40% |
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.