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
- MEM 97/100
- RANK 12.0%
- PHOTO 0.23%
- BOOK 0.63%
- CHARTER $1.25B
- NCUSIF 61,337
- CAMELS #183/4,374
- HEALTH Municipal Empl.Credit Union of Balt
- NW 63958
Call Report peers
1st United in the assets neighbourhood
1st United's $1.25B assets sit next to Municipal Empl.Credit Union of Balt ($1.25B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #63958's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for 1st United
1st United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $1.25B (2025Q4) to $1.25B (2026Q1).
- Net-worth ratio shifted +0.13 pp (11.92% → 12.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 97.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for 1st United, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.25B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (97/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is 1st United financially healthy?
1st United has a financial health score of 97/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #183 of 4,374; by total assets it ranks #390 of 4,374 nationally (same basis as /rankings/largest); and #56 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.05% and delinquency rate of 0.23%.
How does 1st United compare to other credit unions?
1st United scores 97/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like 1st United are 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."
What rates does 1st United offer compared to banks?
Credit unions like 1st United are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact 1st United directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.