1ST NORTHERN CALIFORNIA
State-Chartered • Martinez, California • Est. 1949
Quick Facts
- Charter Number
- #68668
- Type
- State-Chartered
- Established
- 1949
- Headquarters
- Martinez, California 94553
- Address
- PO Box 509
- Branches
- 6
- ATMs
- 4
- Members
- 33,640
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
33,640 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 1ST NORTHERN CALIFORNIA |
|---|---|
| Total Assets | $807.7M |
| Members | 33,640 |
| Loans Outstanding | $399.2M |
| Shares & Deposits | $701.5M |
| Net Worth | $95.6M |
| Net Worth Ratio | 11.83% |
| Loan-to-Share Ratio | 56.9% |
| Delinquency Rate | 0.05% |
| Net Income | +$4,978,594 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 4 ATMs
Martinez
Main Office1111 Pine St
Martinez, CA 94553
Muir Station
538 Center Ave
Martinez, CA 94553
Richmond
2500 Nevin Ave
Richmond, CA 94804
Pittsburg/Antioch
4261 Century Blvd
Pittsburg, CA 94565-7113
Benicia
560 1st St Ste B106
Benicia, CA 94510-3579
Who Can Join 1ST NORTHERN CALIFORNIA?
Membership Type: Community
Membership eligibility for 1ST NORTHERN CALIFORNIA may vary. Contact the credit union directly to confirm qualification requirements.
Contact 1ST NORTHERN CALIFORNIA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View California RankingsFrequently Asked Questions
Yes. 1ST NORTHERN CALIFORNIA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, 1ST NORTHERN CALIFORNIA has 33,640 members and a potential membership field of 3,249,150 people.
1ST NORTHERN CALIFORNIA's net worth ratio is 11.83% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.8%, 1ST NORTHERN CALIFORNIA meets this threshold.
1ST NORTHERN CALIFORNIA operates 6 branch locations and has access to 4 ATMs. The main office is located at 1111 Pine St, Martinez, CA 94553.
1ST NORTHERN CALIFORNIA was established in 1949. It is a state-chartered credit union chartered under charter number 68668. The institution has been serving members for 77 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or 1ST NORTHERN CALIFORNIA. All financial data is for informational purposes only.