credit union

1st United

Pleasanton, CA · Est. 1932
A
Trust Grade
Excellent
Score: 96/100

1st United is a credit union based in Pleasanton, California, established in 1932, with $1.3 billion in total assets serving 61,429 members. By Trust Grade it ranks 50th of 241 credit unions we track in California. Its net worth ratio of 12.1% is stronger than 71% of similarly sized credit unions, versus a California median of 11.1%. It was profitable over the most recent period, with a 0.77% return on assets. No consumer complaints against 1st United appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.3B
$1B–10B institution
Members
61,429
Shares & deposits
—
Net worth ratio
12.1%
Top 29% of $1B–10B peers · California median 11.1%
Return on assets
0.8%
Top 44% of $1B–10B peers · California median 0.5%
Rank in California
#50
of 241 credit unions

How 1st United compares to California peers

Net worth ratio
Top 29% of $1B–10B peers
1st United
12.1%
California median
11.1%
Higher capital ratio = stronger financial cushion
Return on assets
Top 44% of $1B–10B peers
1st United
0.8%
California median
0.5%
Higher ROA = more profitable relative to asset base

How we graded 1st United

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
96/100
Customer experience
n/a
Overall
A · 96
  • Strongly capitalized (12.1% capital ratio)
  • Profitable (ROA 0.77%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for 1st United over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at 1st United insured?

Yes. 1st United is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

1st United: frequently asked questions

Is 1st United a good credit union?

1st United earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (12.1% capital ratio); Profitable (ROA 0.77%).

Is 1st United NCUA-insured?

Yes. 1st United is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is 1st United?

1st United holds $1.3 billion in total assets, ranking 50th of 241 credit unions we track in California. It serves 61,429 members.

Does 1st United have CFPB complaints?

No CFPB complaints against 1st United appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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