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
- 13,030
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
13,030 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | F3 |
|---|---|
| Total Assets | $240.1M |
| Members | 13,030 |
| Loans Outstanding | $108.9M |
| Shares & Deposits | $200.7M |
| Net Worth | $42.9M |
| Net Worth Ratio | 17.88% |
| Loan-to-Share Ratio | 54.3% |
| Delinquency Rate | 1.14% |
| Net Income | +$3,283,167 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View California RankingsFrequently Asked Questions
Yes. F3 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, F3 has 13,030 members and a potential membership field of 40,000 people.
F3's net worth ratio is 17.88% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 17.9%, F3 meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or F3. All financial data is for informational purposes only.