State credit union · SAN JOSE, California · NCUA charter #64835
F3
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $240.1M
- Total assets
- 13,030
- Members
- 18.1%
- Net-worth ratio
F3 scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $240.1M; members 13,030; net-worth ratio 18.07%; health rank #1,757 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,757 of 4,374 health · 2025Q4F3 · health 86/100 · $240.1M · 2025Q4
- ROA 86/100
- ASSETS 18.1%
- MEM 1.14%
- RANK 0.47%
- PHOTO $240.1M
- BOOK 13,030
- CHARTER #1,757/4,374
- NCUSIF The Atlantic
- CAMELS 64835
Call Report peers
F3 in the assets neighbourhood
F3's $240.1M assets sit next to The Atlantic ($239.9M) 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.
F3 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
86 Top 43% higher than 57% 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
F3 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #64835, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
F3: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +5.96 pp (18.07% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 54.26% here, 72.20% peer average (-17.94 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
F3: in-state Call Report ranks
- Health composite ranks #101 of 243 among scored California credit unions.
- By total assets, F3 is #112 of 243 in California.
- Member book place in California: #113 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How F3's 5300 filing moved
F3: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $240.1M (2025Q4) to $239.4M (2026Q1).
- Net-worth ratio shifted +0.19 pp (17.88% → 18.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 14.6 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 11.9 pts
Call Report ratios for F3
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.07% | +5.96 pp |
| Delinquency Rate | 1.14% | +0.25 pp |
| Return on Assets | 0.47% | -0.15 pp |
| Member Growth | 1.33% | - |
| Loan-to-Share Ratio | 54.26% | -17.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
F3 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $239.4M | - |
| 2025Q4 | $240.1M | 13,030 |
| 2024Q4 | $233.3M | 12,859 |
| 2023Q4 | $236.5M | 12,957 |
Credit Union Details
- Charter Number
- 64835
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- SAN JOSE
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, F3 runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | San Jose, CA |
| Oakland Branch | OAKLAND, CA |
| San Francisco Branch | San Francisco, CA |
| North San Jose Branch | San Jose, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for F3, 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 ($240.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- F3 ranks #1,757 of 4,374 nationally on financial health and #101 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SRI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SRI
- 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 F3 financially healthy?
F3 scores 86/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,757 of 4,374; by total assets it ranks #1,168 of 4,374 nationally (same basis as /rankings/largest); and #112 of 243 within California. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.07% net worth ratio and a 1.14% delinquency rate.
How does F3 compare to other credit unions?
Five weighted metrics from NCUA filings produce F3's 86/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 F3?
Membership eligibility for F3 depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact F3 directly for current membership requirements and application steps.
Is my money safe at F3?
Federal credit unions like F3 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. F3's net worth ratio of 18.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does F3 offer compared to banks?
Credit unions like F3 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 F3 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.