State credit union · Martinez, California · NCUA charter #68668
1st Northern California
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $807.7M
- Total assets
- 33,640
- Members
- 11.7%
- Net-worth ratio
1st Northern California scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $807.7M; members 33,640; net-worth ratio 11.71%; health rank #263 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#263 of 4,374 health · 2025Q41st Northern California · health 96/100 · $807.7M · 2025Q4
Call Report peers
1st Northern California in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Northern California vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1st Northern California sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
1st Northern California vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.05% vs peer 0.87% (-0.82 pp).
- Loan-to-Share Ratio trails the peer set - 56.91% here, 83.90% peer average (-26.99 pp).
1st Northern California in California
- California health ordinal: #22 of 243.
- Assets rank #76 of 243 inside California ($807.7M reported).
- California membership ordinal: #80 of 243.
- One place up in California, MONTERRA (#21) ties at 96/100; one place down, STANFORD (#23) ties at 96/100.
1st Northern California Call Report trajectory
1st Northern California: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $807.7M (2025Q4) to $825.4M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.83% → 11.71%).
This credit union's 11.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
1st Northern California gives up 4 points in total. Loan-to-Share Ratio costs the most, 2.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.8 pts
- Loan-to-Share Ratio 12.2 pts
1st Northern California vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.71% | +0.53 pp |
| Delinquency Rate | 0.05% | -0.82 pp |
| Return on Assets | 0.51% | +0.00 pp |
| Member Growth | 4.00% | - |
| Loan-to-Share Ratio | 56.91% | -26.99 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $825.4M | - |
| 2025Q4 | $807.7M | 33,640 |
| 2024Q4 | $822.3M | 32,346 |
| 2023Q4 | $798.8M | 32,351 |
Credit Union Details
- Charter Number
- 68668
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Martinez
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, 1st Northern California runs 6 offices in 5 different cities.
| Office | City |
|---|---|
| Martinez (Main Office) | Martinez, CA |
| Benicia | Benicia, CA |
| Brentwood | Brentwood, CA |
| Muir Station | Martinez, CA |
| Pittsburg/Antioch | Pittsburg, CA |
| Richmond | Richmond, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for 1st Northern California
Using this data
- 1st Northern California ranks #263 of 4,374 nationally on financial health and #22 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- America's Christian is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with America's Christian
Frequently Asked Questions
Is 1st Northern California financially healthy?
On its 2025Q4 NCUA 5300 filing, 1st Northern California scores 96/100 (Excellent), with a 11.71% net worth ratio and 0.05% of loans delinquent. It ranks #263 of 4,374 nationally on health and #22 of 243 in California.
How does 1st Northern California compare to other credit unions?
1st Northern California scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.05% vs 0.87%). Its widest shortfall is loan-to-share ratio (56.91% vs 83.90%).
How can I join 1st Northern California?
Membership eligibility for 1st Northern California depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Northern California directly for current membership requirements and application steps.
Is my money safe at 1st Northern California?
1st Northern California is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Northern California's net worth ratio of 11.71% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.