1ST NORTHERN CALIFORNIA Credit Union Profile

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1ST NORTHERN CALIFORNIA

Charter #68668 | NCUA Region 3 | FISCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (925) 228-7550

Fax:

Founding Date: N/A

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

Personnel & Operations

President: Ybarra, Stephen

Manager: Green, David

FT Employees: 92

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 6

Hours: M-W 9:00 am - 4:00 pm Th 9:00 am - 6:00 pm

Credit Union Profile Summary

1ST NORTHERN CALIFORNIA is a FISCU Credit Union. With a total of 32,647 members [1], this institution manages approximately $788,747,122 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 11.87% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 8.71% [1].

Financial Snapshot

Total Assets [1]
$788,747,122

Total economic resources.

Total Loans [1]
$377,564,065

Total value of outstanding loans.

Total Deposits [1]
$686,418,586

Total funds deposited by members.

Members [1]
32,647

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.87%

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]
0.67%

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

Loan-to-Share Ratio [1]
55.00%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.43%

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

Loan Growth (4Q) [1]
↑ 8.71%

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

Member Growth (4Q) [1]
↑ 1.59%

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

Headquarters Location & Map

Headquarters Address

1111 Pine St

Martinez, CA, 94553
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 7 branches reported by 1ST NORTHERN CALIFORNIA (Charter #68668).

Main Office

Martinez Main Office

Type: Corporate Office

1111 Pine St

Martinez, CA 94553

Phone: (925) 228-7550

Services: Member Services

Open in Directions

Additional Branches

Benicia

Benicia

Type: Branch Office

560 1st St Ste B106

Benicia, CA 94510-3579

Phone: (925) 228-7550

Services: Member Services, ATM

Open in Directions

Brentwood

Brentwood

Type: Branch Office

8660 Brentwood Blvd Ste E

Brentwood, CA 94513-5671

Phone: (888) 387-8632

Services: Member Services, ATM

Open in Directions

Crockett

Crockett

Type: Branch Office

1420 Pomona St

Crockett, CA 94525-1132

Phone: (888) 387-8632

Services: Member Services

Open in Directions

Martinez

Muir Station

Type: Branch Office

538 Center Ave

Martinez, CA 94553

Phone: (925) 228-7550

Services: Member Services, ATM

Open in Directions

Pittsburg

Pittsburg/Antioch

Type: Branch Office

4261 Century Blvd

Pittsburg, CA 94565-7113

Phone: (925) 228-7550

Services: Member Services, ATM

Open in Directions

Richmond

Richmond

Type: Branch Office

2500 Nevin Ave

Richmond, CA 94804

Phone: (925) 228-7550

Services: Member Services

Open in Directions