Northeast Community Federal Credit Union San Francisco, California
Northeast Community Federal Credit Union is a federal credit union headquartered in San Francisco, CA, established in 1981 (NCUA charter 23780), and it is regulated and insured by the NCUA. At Q2 2026 it reported 903 members and total assets of $15.2M (down 7.2% from Q2 2025), the 217th largest of 238 credit unions headquartered in California. Its net worth ratio was 32.63% at Q2 2026, in the well capitalized band.
Also written as Northeast Community FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23780
- Headquarters
- San Francisco, CA
- Established
- 1981
- Total assets, Q2 2026
- $15.2M
- Assets vs Q2 2025
- -7.2%
- Members, Q2 2026
- 903
- Net worth ratio, Q2 2026
- 32.63%
- Latest call report
- Q2 2026, NCUA 5300 · Northeast Community Federal Credit Union call report
- Asset rank in state
- 217th of 238 in California
- Routing number
- 321081041
- Branches
- 2
It has 106 fewer members than on June 30, 2025 (-10.5%). Its net worth ratio was down 5.97 percentage points from 38.60% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.9M of $5.2M in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Frequently asked about Northeast Community Federal Credit Union
How big is Northeast Community Federal Credit Union?
At Q2 2026 it reported total assets of $15.2M and 903 members.
Where is Northeast Community Federal Credit Union headquartered?
It is headquartered in San Francisco, CA, United States.
When was Northeast Community Federal Credit Union founded?
It was established in 1981, per NCUA records.
Is Northeast Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23780): 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 Northeast Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Northeast Community Federal Credit Union well capitalized?
Its net worth ratio was 32.63% 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 Northeast Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 53.12% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Francisco, CA 94111
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1981
- NCUA Charter #
- 23780
- RSSD ID
- 848592
- Members
- 903
- Potential members
- 70,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 6 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 32.63% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 5.45% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 16.72% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.46% | 3.93% | 31st below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 88.44% | 79.83% | 32nd below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.95% | 0.78% | 41st below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.40% | 4.70% | 35th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 53.12% | 58.92% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$15.2M total assets against $16.3M; $9.8M total shares and deposits against $10.4M; $5.2M total loans against $4.4M.
$5.0M net worth against $6.3M.
32.63% net worth ratio against 38.60%.
53.12% loan-to-share ratio against 42.87%.
5.45% return on assets against 2.43%; 16.72% return on equity against 6.29%.
3.46% net interest margin against 3.03%.
903 members against 1,009.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 32.63% | 5.45% | — | 53.12% |
| March 31, 2026 | 30.24% | 2.60% | — | 52.61% |
| December 31, 2025 | 30.05% | -1.32% | — | 50.45% |
| September 30, 2025 | 32.17% | 0.63% | — | 43.92% |
| June 30, 2025 | 38.60% | 2.43% | 0.01% | 42.87% |
| March 31, 2025 | 30.94% | 0.83% | — | 34.02% |
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.