POLAM Credit Union Profile

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POLAM

Charter #21502 | NCUA Region 3 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (650) 367-8940

Fax: (650) 367-8945

Founding Date: N/A

Website: http://www.polamfcu.com

Personnel & Operations

President: Wolny, Andrzej

Manager: Chrzanowski, Mark

FT Employees: 13

PT Employees: 7

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 6

Hours: Mon-Thurs: 9 AM to 4 PM Friday: 9 AM to 6

Credit Union Profile Summary

POLAM is a FCU Credit Union. With a total of 3,900 members [1], this institution manages approximately $78,067,328 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.17% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.66% [1].

Financial Snapshot

Total Assets [1]
$78,067,328

Total economic resources.

Total Loans [1]
$62,585,450

Total value of outstanding loans.

Total Deposits [1]
$67,425,978

Total funds deposited by members.

Members [1]
3,900

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.17%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.43%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
92.82%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.49%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 0.66%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 15.76%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

770 Marshall St

Redwood City, CA, 94063-1846
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 5 branches reported by POLAM (Charter #21502).

Main Office

Redwood City Main Office

Type: Corporate Office

770 Marshall St

Redwood City, CA 94063-1846

Phone: (650) 367-8940

Services: Member Services

Open in Directions

Additional Branches

Concord

Concord

Type: Branch Office

1010 Oak Grove Rd

Concord, CA 94518-3005

Phone: (925) 609-8500

Services: Member Services, ATM

Open in Directions

New Britain

New Britan

Type: Branch Office

55 Broad St

New Britain, CT 06053-4312

Phone: (860) 223-0200

Services: Member Services, ATM, Drive-Thru

Open in Directions

Sacramento

Sacramento

Type: Branch Office

4313 Elkhorn Blvd

Sacramento, CA 95842

Phone: (916) 727-0730

Services: Member Services

Open in Directions

San Francisco

San Francisco

Type: Branch Office

5923 Geary Blvd

San Francisco, CA 94121-2006

Phone: (415) 752-7760

Services: Member Services

Open in Directions