State credit union · Pleasanton, California · NCUA charter #63958
1st United
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $1.25B
- Total assets
- 61,337
- Members
- 12.0%
- Net-worth ratio
1st United scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.25B; members 61,337; net-worth ratio 12.05%; health rank #183 of 4,374; healthier than 95th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#183 of 4,374 health · 2025Q41st United · health 97/100 · $1.25B · 2025Q4
Call Report peers
1st United in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 1st United sits in 95-99 with 391 others.
97 Top 5% higher than 95% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
1st United vs Over $500M peers
- Largest favorable gap: Net Worth Ratio at 12.05% vs peer 11.18% (+0.87 pp).
- Largest lag: Loan-to-Share Ratio at 74.69% vs peer 83.90% (-9.21 pp).
1st United in California
- Health composite ranks #14 of 243 among scored California credit unions.
- California assets place: #56 of 243.
- Membership ranks #54 of 243 among California CUs with a reported count (61,337 members).
- One place up in California, NOVO (#13) ties at 97/100; one place down, Santa Maria Associated Employees (#15) ties at 97/100.
Quarter path for 1st United
1st United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $1.25B (2025Q4) to $1.25B (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.92% → 12.05%).
At 12.05%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 97/100 score is built
1st United gives up 3 points in total. Member Growth costs the most, 3.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.6 pts
- Loan-to-Share Ratio 15.4 pts
1st United vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.05% | +0.87 pp |
| Delinquency Rate | 0.23% | -0.64 pp |
| Return on Assets | 0.63% | +0.12 pp |
| Member Growth | 2.17% | - |
| Loan-to-Share Ratio | 74.69% | -9.21 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.25B | - |
| 2025Q4 | $1.25B | 61,337 |
| 2024Q4 | $1.21B | 60,033 |
| 2023Q4 | $1.22B | 60,930 |
Credit Union Details
- Charter Number
- 63958
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- Pleasanton
- Data Quarter
- 2025Q4
Branch Locations (8)
1st United operates 8 offices across 8 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Pleasanton, CA |
| Alameda Branch | Alameda, CA |
| Castro Valley Branch | Castro Valley, CA |
| Fremont Central Branch | Fremont, CA |
| Hayward Branch | Hayward, CA |
| Livermore Branch | Livermore, CA |
| Oakland - Rockridge Branch | Oakland, CA |
| San Leandro Branch | San Leandro, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near 1st United
Using this data
- 1st United ranks #183 of 4,374 nationally on financial health and #14 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- American First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with American First
Frequently Asked Questions
Is 1st United financially healthy?
1st United has a financial health score of 97/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #183 of 4,374 nationally on health and #14 of 243 in California. Its net worth ratio is 12.05% and its delinquency rate 0.23%.
How does 1st United compare to other credit unions?
1st United scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.05% vs 11.18%). Its widest shortfall is loan-to-share ratio (74.69% vs 83.90%).
How can I join 1st United?
Membership eligibility for 1st United depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st United directly for current membership requirements and application steps.
Is my money safe at 1st United?
1st United 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 United's net worth ratio of 12.05% 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.