Credit union · NCUA insured
First California Federal Credit Union
A $109.9M credit union headquartered in Fresno, CA, with 9,335 members and 2 branches in 2 states. Best rates: savings 0.10% APY.
First California Federal Credit Union Carrot Score
66
Carrot Score
Higher than 16% of U.S. banks and credit unions
#40 of 54 in Tampa, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About First California Federal Credit Union
First California Federal Credit Union has served the Central Valley since 1924 as the first established credit union in California.
The credit union is headquartered in Fresno, California.
- Headquarters
- 2525 E Shields Ave, Fresno, CA 93726
- NCUA charter
- 23964
Branches
2 branches in 2 states
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California
1 branch
- First California Federal Credit UnionMain office2525 E Shields Ave, Fresno, CA 93726Directions
Florida
1 branch
- CO-OP / Velera615 Channelside Dr, Ste 204, Tampa, FL 33602Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.58% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.98% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.00% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $54 | $76 | — |
- CapitalNet worth ratio10.58%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.98%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.00%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$54Peers’ 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 First California Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.