F3 Credit Union Profile

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F3

Charter #64835 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (408) 275-8595

Fax: (408) 275-6870

Founding Date: N/A

Website: http://www.f3creditunion.com

Personnel & Operations

President: Croteau, Carol

Manager: Khosravi, Fardad

FT Employees: 34

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: M-F 8AM-6PM

Credit Union Profile Summary

F3 is a FISCU Credit Union. With a total of 12,896 members [1], this institution manages approximately $238,045,413 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 17.67% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.38% [1].

Financial Snapshot

Total Assets [1]
$238,045,413

Total economic resources.

Total Loans [1]
$108,305,926

Total value of outstanding loans.

Total Deposits [1]
$200,589,285

Total funds deposited by members.

Members [1]
12,896

Number of active members.

Performance Ratios

Net Worth Ratio [1]
17.67%

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]
0.85%

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

Loan-to-Share Ratio [1]
53.99%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.12%

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

Loan Growth (4Q) [1]
↓ -0.38%

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

Member Growth (4Q) [1]
↓ -0.19%

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

Headquarters Location & Map

Headquarters Address

1040 LEIGH AVE

SAN JOSE, CA, 95126
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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 4 branches reported by F3 (Charter #64835).

Main Office

Main Office Main Office

Type: Corporate Office

1040 Leigh Ave

San Jose, CA 95126

Phone: (408) 275-8595

Services: Member Services

Open in Directions

Additional Branches

Oakland

Oakland Branch

Type: Branch Office

480 ROLAND WAY STE 102

Oakland, CA 94621

Phone: (510) 568-7150

Services: Member Services

Open in Directions

San Francisco

San Francisco Branch

Type: Branch Office

175 Mendell St

San Francisco, CA 94124

Phone: (415) 550-7207

Services: Member Services

Open in Directions

San Jose

North San Jose Branch

Type: Branch Office

1750 Lundy Ave

San Jose, CA 95101-9001

Phone: (408) 437-8888

Services: Member Services

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