Sep, 30, 2025 — 1ST UNITED SERVICES CREDIT UNION is a federally insured state chartered credit union headquartered in PLEASANTON, CA with 8 branch locations and about $1.23 billion in total assets. Opened 94 years ago in 1932, 1ST UNITED SERVICES CREDIT UNION has about 60,965 members and employs 168 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | 1ST UNITED SERVICES CREDIT UNION |
|---|---|
| Address: (Main Office) | 5901 Gibraltar Dr PLEASANTON, CA 94588 |
| Phone: | (800) 649-0193 |
| Fax: | (925) 598-4862 |
| Website: | https://www.1stunitedcu.org |
| Branches: | 8 branch locations |
| Members: | 60,965 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63958 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1932 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,234,607,427 |
| CEO/Manager: | Stephen M Stone |
| Chairperson: | Dave Macdonald |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 105,509,384 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 469,146,383 |
| Unsecured Loans | 65,461,576 |
| Other Loans | 289,006,730 |
| TOTAL LOANS | 823,614,689 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -4,815,072 |
| Land And Building | 3,600,144 |
| Other Fixed Assets | 2,327,263 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 9,808,248 |
| All Other Assets | 287,969 |
| TOTAL ASSETS | 1,234,607,427 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 1,771,513 |
| Accounts Payable & Other Liabilities | 11,485,226 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 202,289,690 |
| Regular shares | 290,519,998 |
| All Other Shares & Deposits | 590,179,936 |
| TOTAL SHARES & DEPOSITS | 1,082,989,624 |
| TOTAL LIABILITIES | 1,096,246,363 |
| Regular Reserve | 0 |
| Other Reserves | -7,637,950 |
| Undivided Earnings | 145,999,014 |
| TOTAL EQUITY | 138,361,064 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,234,607,427 |
| INCOME & EXPENSE | |
| Loan Income | 32,052,804 |
| Investment Income | 8,839,101 |
| Other Income | 5,233,960 |
| Total Employee Compensation & Benefits | 17,132,956 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 11,333,035 |
| Non-operating Income & (Expense) | 2,434,460 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,475,577 |
| Cost of Funds | 10,102,040 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 8,387,007 |
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