TellerScore

F3 Credit Union (NCUA charter #64835) is based in San Jose, California. Its Q2 2026 call report shows $236.8M in total assets and $196.8M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, F3 Credit Union scores 80/100, which we describe as strong. That is higher than 78% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 53rd. Its strongest component is capital cushion (100/100; 18.47%), and its lowest is earnings (47/100; 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.47%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity100/100
Loans ÷ shares: 55.0% · 5.9% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.77%

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

From Q2 2025 to Q2 2026, the score fell 2 points (82 → 80), mostly because the earnings component weakened by 7 points.

TellerScore
778082Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202477
Q4 202477
Q1 202580
Q2 202582
Q3 202581
Q4 202580
Q1 202679
Q2 202680
Net worth ratio
7.00%12.73%18.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.99%
Q3 202417.17%
Q4 202417.60%
Q1 202517.27%
Q2 202517.67%
Q3 202517.75%
Q4 202517.88%
Q1 202618.07%
Q2 202618.47%
Delinquent loans (60+ days)
0.65%0.98%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.17%
Q3 20241.24%
Q4 20241.30%
Q1 20250.65%
Q2 20250.97%
Q3 20251.03%
Q4 20251.14%
Q1 20260.98%
Q2 20261.05%
Return on assets
0.26%0.55%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.47%
Q3 20240.47%
Q4 20240.49%
Q1 20250.26%
Q2 20250.84%
Q3 20250.74%
Q4 20250.78%
Q1 20260.53%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$236.8M18.47%1.05%0.68%55.0%
Q1 202679$239.4M18.07%0.98%0.53%56.9%
Q4 202580$240.1M17.88%1.14%0.78%54.3%
Q3 202581$238.7M17.75%1.03%0.74%55.2%
Q2 202582$238.0M17.67%0.97%0.84%54.0%
Q1 202580$238.6M17.27%0.65%0.26%53.5%
Q4 202477$233.3M17.60%1.30%0.49%54.9%
Q3 202477$237.4M17.17%1.24%0.47%53.7%
Q2 202477$238.3M16.99%1.17%0.47%53.6%

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 ratio18.47%
95th
Problem loans1.05%
28th
Net charge-offs1.00%
10th
Return on assets0.68%
45th
Loans to deposits55.0%
85th
Uninsured deposits5.9%
50th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
66th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Sri Federal Credit UnionCredit union Menlo Park, CA76 out of 100, Strong$236.2M12.7%0.17%vs
Chaffey Federal Credit UnionCredit union Upland, CA59 out of 100, Moderate$230.4M7.7%0.26%vs
Corazo Credit UnionCredit union El Centro, CA59 out of 100, Moderate$243.6M14.0%2.51%vs
Clearpath Federal Credit UnionCredit union Burbank, CA55 out of 100, Moderate$228.6M8.5%0.28%vs
Central State Credit UnionCredit union Stockton, CA65 out of 100, Moderate$258.2M9.0%0.40%vs
Alta Vista Credit UnionCredit union Redlands, CA61 out of 100, Moderate$208.6M8.9%0.51%vs

Deposit insurance

Is my money safe at F3 Credit Union?

Yes. F3 Credit Union is a federally insured credit union (NCUA charter #64835). 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 5.9% of shares and deposits ($11.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 18.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

F3 Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
F3 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64835
RSSD ID
817691
Primary regulator
State + NCUA
Established
1931
Headquarters
1040 Leigh Ave, San Jose, CA 95126
Employees
36

Quick answers

F3 Credit Union: common questions

Is F3 Credit Union NCUA insured?

Yes. F3 Credit Union is a federally insured credit union (NCUA charter #64835). 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 F3 Credit Union's TellerScore?

80 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 F3 Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near San Jose

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
Commonwealth Central Credit UnionCredit union San Jose, CA80 out of 100, Strong$624.9M14.2%0.41%vs
Star One Credit UnionCredit union Sunnyvale, CA77 out of 100, Strong$9.7B14.1%0.13%vs
1st United Credit UnionCredit union Pleasanton, CA77 out of 100, Strong$1.3B12.2%0.25%vs