TellerScore

Headquartered in Martinez, California, 1st Northern California Credit Union is a federally insured state-chartered credit union with $829.0M in total assets and $720.1M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1949.

Based on its Q2 2026 filing, 1st Northern California Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 60th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 8% uninsured), and its lowest is earnings (42/100; 0.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.81%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity100/100
Loans ÷ shares: 58.3% · 8.3% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 79).

TellerScore
747780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202475
Q4 202476
Q1 202579
Q2 202580
Q3 202580
Q4 202579
Q1 202678
Q2 202679
Net worth ratio
7.00%9.44%11.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202410.62%
Q3 202410.89%
Q4 202411.06%
Q1 202511.78%
Q2 202511.87%
Q3 202511.88%
Q4 202511.83%
Q1 202611.71%
Q2 202611.81%
Delinquent loans (60+ days)
0.01%0.05%0.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.08%
Q4 20240.03%
Q1 20250.02%
Q2 20250.04%
Q3 20250.06%
Q4 20250.05%
Q1 20260.03%
Q2 20260.03%
Return on assets
0.40%0.55%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.40%
Q3 20240.46%
Q4 20240.50%
Q1 20250.63%
Q2 20250.68%
Q3 20250.69%
Q4 20250.58%
Q1 20260.52%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$829.0M11.81%0.03%0.55%58.3%
Q1 202678$825.4M11.71%0.03%0.52%56.2%
Q4 202579$807.7M11.83%0.05%0.58%56.9%
Q3 202580$800.0M11.88%0.06%0.69%56.9%
Q2 202580$788.7M11.87%0.04%0.68%55.0%
Q1 202579$782.6M11.78%0.02%0.63%51.4%
Q4 202476$822.3M11.06%0.03%0.50%50.2%
Q3 202475$823.8M10.89%0.08%0.46%51.1%
Q2 202474$834.0M10.62%0.01%0.40%50.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.81%
55th
Problem loans0.03%
99th
Net charge-offs0.08%
87th
Return on assets0.55%
35th
Loans to deposits58.3%
80th
Uninsured deposits8.3%
27th
Loan-loss reserves0.00%
50th
Texas ratio0.1%
99th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
America'S Christian Credit UnionCredit union Glendora, CA58 out of 100, Moderate$819.8M8.9%0.58%vs
Sacramento Credit UnionCredit union Sacramento, CA96 out of 100, Very strong$858.3M15.1%0.09%vs
Skyone Federal Credit UnionCredit union Hawthorne, CA47 out of 100, Below average$863.3M7.7%1.25%vs
Foothill Federal Credit UnionCredit union Arcadia, CA73 out of 100, Strong$778.6M12.3%0.22%vs
Oceanair Federal Credit UnionCredit union Oxnard, CA49 out of 100, Below average$882.5M7.4%0.48%vs
Sun Community Federal Credit UnionCredit union El Centro, CA56 out of 100, Moderate$895.6M8.4%0.25%vs

Deposit insurance

Is my money safe at 1st Northern California Credit Union?

Yes. 1st Northern California Credit Union is a federally insured credit union (NCUA charter #68668). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.3% of shares and deposits ($59.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

1st Northern California Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
1st Northern California Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68668
RSSD ID
11387
Primary regulator
State + NCUA
Established
1949
Headquarters
PO Box 509, Martinez, CA 94553
Employees
93

Quick answers

1st Northern California Credit Union: common questions

Is 1st Northern California Credit Union NCUA insured?

Yes. 1st Northern California Credit Union is a federally insured credit union (NCUA charter #68668). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 1st Northern California Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 1st Northern California Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Martinez

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs
Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA83 out of 100, Strong$377.9M20.2%0.01%vs