Sep, 30, 2025 — 1ST NORTHERN CALIFORNIA CREDIT UNION is a federally insured state chartered credit union headquartered in MARTINEZ, CA with 6 branch locations and about $800.03 million in total assets. Opened 77 years ago in 1949, 1ST NORTHERN CALIFORNIA CREDIT UNION has about 33,325 members and employs 94 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 NORTHERN CALIFORNIA CREDIT UNION |
|---|---|
| Address: (Main Office) | 1111 Pine St MARTINEZ, CA 94553 |
| Phone: | (925) 228-7550 |
| Fax: | |
| Website: | https://www.1stnorcalcu.org/ |
| Branches: | 6 branch locations |
| Members: | 33,325 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68668 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $800,033,624 |
| CEO/Manager: | David M Green |
| Chairperson: | Stephen J Ybarra |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 44,803,263 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 219,611,011 |
| Unsecured Loans | 9,013,368 |
| Other Loans | 165,698,579 |
| TOTAL LOANS | 394,322,958 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,255,861 |
| Land And Building | 1,783,630 |
| Other Fixed Assets | 3,183,430 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 6,228,159 |
| All Other Assets | 0 |
| TOTAL ASSETS | 800,033,624 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 758,703 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 10,870,216 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 127,951,549 |
| Regular shares | 244,672,021 |
| All Other Shares & Deposits | 320,834,160 |
| TOTAL SHARES & DEPOSITS | 693,457,731 |
| TOTAL LIABILITIES | 705,086,650 |
| Regular Reserve | 0 |
| Other Reserves | 829,423 |
| Undivided Earnings | 94,117,551 |
| TOTAL EQUITY | 94,946,974 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 800,033,624 |
| INCOME & EXPENSE | |
| Loan Income | 10,959,804 |
| Investment Income | 9,770,723 |
| Other Income | 512,765 |
| Total Employee Compensation & Benefits | 6,943,683 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,285,558 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 277,000 |
| Cost of Funds | 4,892,195 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,130,922 |
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