1ST UNITED Credit Union Profile

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1ST UNITED

Charter #63958 | NCUA Region 3 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (800) 649-0193

Fax: (925) 598-4862

Founding Date: N/A

Website: http://www.1stUnitedcu.org

Personnel & Operations

President: Macdonald, Dave

Manager: Stone, Stephen

FT Employees: 159

PT Employees: 8

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 8

Hours: M - F, 9:00AM- 5:00PM

Credit Union Profile Summary

1ST UNITED is a FISCU Credit Union. With a total of 60,619 members ^[1], this institution manages approximately $1,223,379,085 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.78% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.71% ^[1].

Financial Snapshot

Total Assets ^[1]

$1,223,379,085

Total economic resources.

Total Loans ^[1]

$831,220,502

Total value of outstanding loans.

Total Deposits ^[1]

$1,075,553,650

Total funds deposited by members.

Members ^[1]

60,619

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.78%

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]

1.01%

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

Loan-to-Share Ratio ^[1]

77.28%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 0.99%

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

Loan Growth (4Q) ^[1]

↓ -3.71%

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

Member Growth (4Q) ^[1]

↑ 0.79%

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

Headquarters Location & Map

Headquarters Address

5901 Gibraltar Dr

Pleasanton, CA, 94588

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by 1ST UNITED (Charter #63958).

Main Office

Main Main Office

Type: Corporate Office

Type: Branch Office

600 Bancroft Ave

San Leandro, CA 94577-2904

Phone: (800) 649-0193

Services: Member Services, ATM

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