Sep, 30, 2025 — PACIFIC POSTAL CREDIT UNION is a federally insured state chartered credit union headquartered in SAN JOSE, CA with 4 branch locations and about $238.75 million in total assets. Opened 95 years ago in 1931, PACIFIC POSTAL CREDIT UNION has about 12,911 members and employs 35 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PACIFIC POSTAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1040 Leigh Ave SAN JOSE, CA 95126 |
| Phone: | (408) 275-8595 |
| Fax: | (408) 275-6870 |
| Website: | https://www.f3creditunion.com |
| Branches: | 4 branch locations |
| Members: | 12,911 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 64835 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1931 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $238,745,250 |
| CEO/Manager: | Fardad Khosravi |
| Chairperson: | Carol Croteau |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 11,651,565 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 58,597,379 |
| Unsecured Loans | 11,960,578 |
| Other Loans | 39,873,295 |
| TOTAL LOANS | 110,431,252 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,388,868 |
| Land And Building | 127,488 |
| Other Fixed Assets | 94,794 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,877,851 |
| All Other Assets | 83,585 |
| TOTAL ASSETS | 238,745,250 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 811,432 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 32,932,623 |
| Regular shares | 76,370,337 |
| All Other Shares & Deposits | 90,653,175 |
| TOTAL SHARES & DEPOSITS | 199,956,136 |
| TOTAL LIABILITIES | 200,767,568 |
| Regular Reserve | 0 |
| Other Reserves | -426,428 |
| Undivided Earnings | 38,404,110 |
| TOTAL EQUITY | 37,977,682 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 238,745,250 |
| INCOME & EXPENSE | |
| Loan Income | 4,646,264 |
| Investment Income | 3,500,241 |
| Other Income | 474,157 |
| Total Employee Compensation & Benefits | 2,638,937 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,169,370 |
| Non-operating Income & (Expense) | 455,105 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,016,205 |
| Cost of Funds | 1,932,588 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,318,667 |
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