Credit union · NCUA insured
Sun Pacific Federal Credit Union
Top CarrotA $29.8M credit union headquartered in Richmond, CA, with 1,536 members and 1 branch in California. Best rates: CDs 3.55% and savings 2.50% APY.
Sun Pacific Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 95% of U.S. banks and credit unions
#5 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sun Pacific Federal Credit Union
Sun Pacific Federal Credit Union serves employees of the Social Security Administration Region IX across Northern California, Guam, American Samoa, Northern Marianas, Hawaii, Nevada, and Arizona.
The credit union maintains contact and branch operations in Richmond, California.
- Headquarters
- 1221 Nevin Ave, Richmond, CA 94801-3123
- NCUA charter
- 5359
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Region IX Social Security Administration employees are eligible for membership.
Family and household
- Immediate family members of Region IX Social Security Administration employees are eligible for membership.
Cost to join
- A $5 opening deposit into a Regular Share (Savings) Account is required to join.
Branches
1 branch in California
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California
1 branch
- MainMain office1221 Nevin Ave, Richmond, CA 94801Directions
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 | 20.51% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.16% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.97% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $42 | $59 | — |
- CapitalNet worth ratio20.51%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.16%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$42Peers’ 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 Sun Pacific 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.