Credit union · NCUA insured
1st Nor Cal® Credit Union
Top CarrotA $825.4M credit union headquartered in Martinez, CA, with 32,353 members and 6 branches in California. Best rates: CDs 3.30% and savings 0.90% APY.
1st Nor Cal® Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 99% of U.S. banks and credit unions
#1 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Nor Cal® Credit Union
1st Nor Cal Credit Union is a member-owned cooperative financial institution founded in 1949.
- Headquarters
- 1111 Pine St, Martinez, CA 94553
- NCUA charter
- 68668
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, regularly works, currently attends school, or currently worships in Contra Costa, Solano, or Alameda counties, and businesses/entities located there.
Family and household
- Membership is open to persons within the immediate family or household of a member.
- Membership is open to surviving persons within the immediate family of a deceased member.
Other ways
- Membership is open to corporate or other legal entities listed.
- Membership is open to organizations of eligible persons listed.
- Membership is open to persons retired as pensioners or annuitants from any of the eligible groups listed.
Cost to join
- Membership requires a one-time $5 minimum deposit.
Branches
6 branches in California
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California
6 branches
San Francisco area · 5
- MartinezMain office1111 Pine St, Martinez, CA 94553Directions
- Brentwood8660 Brentwood Blvd Ste E, Brentwood, CA 94513Directions
- Muir Station538 Center Ave, Martinez, CA 94553Directions
- Pittsburg/Antioch4261 Century Blvd, Pittsburg, CA 94565Directions
- Richmond2500 Nevin Ave, Richmond, CA 94804Directions
Vallejo area · 1
- Benicia560 1st St Ste B106, Benicia, CA 94510Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.81% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.03% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.56% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio11.81%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.03%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$58Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Nor Cal® Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.