1st United Credit Union Pleasanton, California
1st United Credit Union is a state-chartered credit union headquartered in Pleasanton, CA, established in 1932 (NCUA charter 63958), and it is regulated and insured by the NCUA. At Q2 2026 it reported 61,303 members and total assets of $1.26B (up 2.8% from Q2 2025), the 57th largest of 238 credit unions headquartered in California. Its net worth ratio was 12.16% at Q2 2026, in the well capitalized band.
Also written as 1st United CU
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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
- 63958
- Headquarters
- Pleasanton, CA
- Established
- 1932
- Total assets, Q2 2026
- $1.26B
- Assets vs Q2 2025
- +2.8%
- Members, Q2 2026
- 61,303
- Net worth ratio, Q2 2026
- 12.16%
- Latest call report
- Q2 2026, NCUA 5300 · 1st United Credit Union call report
- Asset rank in state
- 57th of 238 in California
- Routing number
- 321174000
- Branches
- 8
It has 684 more members than on June 30, 2025 (+1.1%). Its net worth ratio was up 0.38 percentage points from 11.78% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $479.1M of $811.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.25% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.16% net worth ratio is above that band's 10.89% median.
Frequently asked about 1st United Credit Union
How big is 1st United Credit Union?
At Q2 2026 it reported total assets of $1.26B and 61,303 members.
Where is 1st United Credit Union headquartered?
It is headquartered in Pleasanton, CA, United States.
When was 1st United Credit Union founded?
It was established in 1932, per NCUA records.
Is 1st United Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63958): 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 United 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 United Credit Union well capitalized?
Its net worth ratio was 12.16% 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 United Credit Union's delinquency ratio?
Its delinquency ratio was 0.25% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 1st United Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 73.60% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Pleasanton, CA 94588
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1932
- NCUA Charter #
- 63958
- RSSD ID
- 40190
- Members
- 61,303
- Potential members
- 2,485,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 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 12.63% | 12.16% | 10.89% | 68th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.73% | 0.89% | 37th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.00% | 8.07% | 31st below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.49% | 3.45% | 53rd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 77.98% | 70.59% | 23rd bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.03% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.25% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.52% | 5.12% | 16th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 73.60% | 88.03% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.26B total assets against $1.22B; $1.10B total shares and deposits against $1.08B; $811.6M total loans against $831.2M.
$152.9M net worth against $144.2M.
12.16% net worth ratio against 11.78%.
73.60% loan-to-share ratio against 77.28%.
0.25% delinquency ratio against 0.19%.
0.73% return on assets against 1.49%; 6.00% return on equity against 12.64%.
3.49% net interest margin against 3.35%.
61,303 members against 60,619.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.16% | 0.73% | 0.25% | 73.60% |
| March 31, 2026 | 12.05% | 0.77% | 0.14% | 73.26% |
| December 31, 2025 | 11.92% | 0.71% | 0.23% | 74.69% |
| September 30, 2025 | 11.86% | 0.73% | 0.24% | 76.05% |
| June 30, 2025 | 11.78% | 1.49% | 0.19% | 77.28% |
| March 31, 2025 | 11.43% | 0.51% | 0.25% | 77.62% |
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.