Credit union · NCUA insured
Polam Federal Credit Union
A $73.6M credit union headquartered in Redwood City, CA, with 3,794 members and 6 branches in 3 states. Best rates: savings 0.65% APY.
Polam Federal Credit Union Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#55 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Polam Federal Credit Union
Headquartered in Redwood City, California, Polam Federal Credit Union was launched in 1974 with a vision to service the Polish American community.
The credit union maintains branch locations throughout the Bay Area and the state of Connecticut.
- Headquarters
- 770 Marshall St, Redwood City, CA 94063-1846
- NCUA charter
- 21502
Branches
6 branches in 3 states
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California
4 branches
San Francisco area · 3
- Redwood CityMain office770 Marshall St, Redwood City, CA 94063Directions
- Concord1010 Oak Grove Rd, Concord, CA 94518Directions
- San Francisco5923 Geary Blvd, San Francisco, CA 94121Directions
Sacramento area · 1
- Sacramento4313 Elkhorn Blvd, Sacramento, CA 95842Directions
Colorado
1 branch
- Lone Tree9227 E Lincoln Ave Ste 200, Lone Tree, CO 80124Directions
Connecticut
1 branch
- New Britan55 Broad St, New Britain, CT 06053Directions
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 | 13.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.92% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.62% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $92 | $59 | — |
- CapitalNet worth ratio13.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.92%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.62%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$92Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Polam 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.