F3
State-Chartered • San Jose, California • Est. 1931
Quick Facts
- Charter Number
- #64835
- Type
- State-Chartered
- Established
- 1931
- Headquarters
- San Jose, California 95126
- Address
- 1040 Leigh Ave
- Branches
- 4
- Members
- 12,873
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
12,873 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | F3 |
|---|---|
| Total Assets | $239.4M |
| Members | 12,873 |
| Loans Outstanding | $113.6M |
| Shares & Deposits | $199.7M |
| Net Worth | $43.2M |
| Net Worth Ratio | 18.07% |
| Loan-to-Share Ratio | 56.9% |
| Delinquency Rate | 0.98% |
| Net Income | +$319,815 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations
Main Office
Main Office1040 Leigh Ave
San Jose, CA 95126
San Francisco Branch
175 Mendell St
San Francisco, CA 94124
North San Jose Branch
1750 Lundy Ave
San Jose, CA 95101-9001
Oakland Branch
480 ROLAND WAY STE 102
Oakland, CA 94621
Who Can Join F3?
Membership Type: Community
Membership eligibility for F3 may vary. Contact the credit union directly to confirm qualification requirements.
Contact F3 directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in California
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View California RankingsFrequently Asked Questions
F3 is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, F3 has 12,873 members and a potential membership field of 40,000 people.
F3's reported net worth ratio is 18.07% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
F3 operates 4 branch locations. The main office is located at 1040 Leigh Ave, San Jose, CA 95126.
F3 was established in 1931. It is a state-chartered credit union chartered under charter number 64835. The institution has been serving members for 95 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or F3. All financial data is for informational purposes only.