F3 Credit Union San Jose, California
F3 Credit Union is a state-chartered credit union headquartered in San Jose, CA, established in 1931 (NCUA charter 64835), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,710 members and total assets of $236.8M (down 0.5% from Q2 2025), the 114th largest of 238 credit unions headquartered in California. Its net worth ratio was 18.47% at Q2 2026, in the well capitalized band.
Also written as F3 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
- 64835
- Headquarters
- San Jose, CA
- Established
- 1931
- Total assets, Q2 2026
- $236.8M
- Assets vs Q2 2025
- -0.5%
- Members, Q2 2026
- 12,710
- Net worth ratio, Q2 2026
- 18.47%
- Latest call report
- Q2 2026, NCUA 5300 · F3 Credit Union call report
- Asset rank in state
- 114th of 238 in California
- Routing number
- 321176914
- Branches
- 4
It has 186 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was up 0.80 percentage points from 17.67% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $51.2M of $108.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.05% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 18.47% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in California
Frequently asked about F3 Credit Union
How big is F3 Credit Union?
At Q2 2026 it reported total assets of $236.8M and 12,710 members.
Where is F3 Credit Union headquartered?
It is headquartered in San Jose, CA, United States.
When was F3 Credit Union founded?
It was established in 1931, per NCUA records.
Is F3 Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64835): 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 F3 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 F3 Credit Union well capitalized?
Its net worth ratio was 18.47% 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 F3 Credit Union's delinquency ratio?
Its delinquency ratio was 1.05% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is F3 Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.02% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Jose, CA 95126
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1931
- NCUA Charter #
- 64835
- RSSD ID
- 817691
- Members
- 12,710
- Potential members
- 40,000
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.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 18.47% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.82% | 0.81% | 51st above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.44% | 7.02% | 29th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.35% | 3.70% | 29th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 71.55% | 76.55% | 66th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.10% | 1.24% | 60th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.05% | 0.68% | 29th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.46% | 4.92% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 55.02% | 75.66% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$236.8M total assets against $238.0M; $196.8M total shares and deposits against $200.6M; $108.3M total loans against $108.3M.
$43.7M net worth against $42.1M.
18.47% net worth ratio against 17.67%.
55.02% loan-to-share ratio against 53.99%.
1.05% delinquency ratio against 0.97%.
0.82% return on assets against 1.43%; 4.44% return on equity against 8.08%.
3.35% net interest margin against 3.60%.
12,710 members against 12,896.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.47% | 0.82% | 1.05% | 55.02% |
| March 31, 2026 | 18.07% | 0.53% | 0.98% | 56.88% |
| December 31, 2025 | 17.88% | 0.91% | 1.14% | 54.26% |
| September 30, 2025 | 17.75% | 0.53% | 1.03% | 55.23% |
| June 30, 2025 | 17.67% | 1.43% | 0.97% | 53.99% |
| March 31, 2025 | 17.27% | 0.26% | 0.65% | 53.46% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.