1ST UNITED
State-Chartered • Pleasanton, California • Est. 1932
Quick Facts
- Charter Number
- #63958
- Type
- State-Chartered
- Established
- 1932
- Headquarters
- Pleasanton, California 94588-1746
- Address
- P.O. Box 11746
- Branches
- 8
- ATMs
- 8
- Members
- 61,337
- 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
61,337 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | 1ST UNITED |
|---|---|
| Total Assets | $1.2B |
| Members | 61,337 |
| Loans Outstanding | $817.2M |
| Shares & Deposits | $1.1B |
| Net Worth | $148.6M |
| Net Worth Ratio | 11.92% |
| Loan-to-Share Ratio | 74.7% |
| Delinquency Rate | 0.23% |
| Net Income | +$13,763,946 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations · 8 ATMs
Main
Main Office5901 Gibraltar Dr
Pleasanton, CA 94588
Hayward Branch
109 Review Way
Hayward, CA 94544
Alameda Branch
2680 5th St Ste A
Alameda, CA 94501
Castro Valley Branch
3365 Castro Valley Blvd
Castro Valley, CA 94546
Fremont Central Branch
2710 Mowry Ave
Fremont, CA 94538-1609
Who Can Join 1ST UNITED?
Membership Type: Community
Membership eligibility for 1ST UNITED may vary. Contact the credit union directly to confirm qualification requirements.
Contact 1ST UNITED 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 UNITED 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 UNITED has 61,337 members and a potential membership field of 2,485,000 people.
1ST UNITED's net worth ratio is 11.92% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.9%, 1ST UNITED meets this threshold.
1ST UNITED operates 8 branch locations and has access to 8 ATMs. The main office is located at 5901 Gibraltar Dr, Pleasanton, CA 94588.
1ST UNITED was established in 1932. It is a state-chartered credit union chartered under charter number 63958. The institution has been serving members for 94 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 UNITED. All financial data is for informational purposes only.