POLAM
Federal • Redwood City, California • Est. 1973
Quick Facts
- Charter Number
- #21502
- Type
- Federal
- Established
- 1973
- Headquarters
- Redwood City, California 94063-1846
- Address
- 770 Marshall St
- Branches
- 6
- ATMs
- 1
- Members
- 3,818
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Adequate financial health. Meets NCUA capital requirements with some metrics worth watching over time.
Financial Overview
Total Assets
Members
3,818 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | POLAM |
|---|---|
| Total Assets | $73.9M |
| Members | 3,818 |
| Loans Outstanding | $65.1M |
| Shares & Deposits | $63.3M |
| Net Worth | $10.1M |
| Net Worth Ratio | 13.74% |
| Loan-to-Share Ratio | 102.9% |
| Delinquency Rate | 2.93% |
| Net Income | $-297,112 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 1 ATMs
Redwood City
Main Office770 Marshall St
Redwood City, CA 94063-1846
San Francisco
5923 Geary Blvd
San Francisco, CA 94121-2006
Concord
1010 Oak Grove Rd
Concord, CA 94518-3005
Sacramento
4313 Elkhorn Blvd
Sacramento, CA 95842
New Britan
55 Broad St
New Britain, CT 06053-4312
Who Can Join POLAM?
Membership Type: Occupational
Membership eligibility for POLAM may vary. Contact the credit union directly to confirm qualification requirements.
Contact POLAM 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. POLAM 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, POLAM has 3,818 members and a potential membership field of 8,000 people.
POLAM's net worth ratio is 13.74% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.7%, POLAM meets this threshold.
POLAM operates 6 branch locations and has access to 1 ATMs. The main office is located at 770 Marshall St, Redwood City, CA 94063-1846.
POLAM was established in 1973. It is a federal credit union chartered under charter number 21502. The institution has been serving members for 53 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or POLAM. All financial data is for informational purposes only.