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Overview / Commentary
800-649-0193
5901 Gibraltar Dr
Pleasanton, CA 94588

1St United Services Credit Union is headquartered in Pleasanton and is the 45th largest credit union in the state of California. It is also the 273rd largest credit union in the nation. It was established in 1932 and as of March of 2014, it had grown to 121 employees and 51,479 members. 1St United Services Credit Union has a A health rating.

Field of Membership Restrictions

Membership is open to anyone lives, regularly works, or attends school in Alameda or Contra Costa Counties California, as well as any and all businesses, corporations, organizations, or associations located in such counties. Membership is also available to any immediate family member of a current primary member related by blood or marriage including living or not living in the same household. Even if you don't meet any of these qualifications, you are still eligible to join if you are a member of any one of 1st United Services Credit Union's Select Employee Groups (SEGs). - See Details

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 1St United Services Credit Union had $2.76 million in non-current loans and owned real-estate with $85.18 million in equity and loan loss allowances on hand to cover it. This gives 1St United Services Credit Union a Texas Ratio of 3.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B

The Texas Ratio for 1St United Services Credit Union decreased slightly from 3.80% as of March 31, 2013 to 3.23% as of March 31, 2014, resulting in a positive change of 14.81%.This indicates that the balance sheet and financial strength for 1St United Services Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
B+

In the past year, 1St United Services Credit Union has increased its total deposits by $17.36 million, resulting in 2.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1St United Services Credit Union has shown is above average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1St United Services Credit Union has $835.44 million in assets with $85.18 million in equity, resulting in a capitalization level of 10.20%, which is above average.

Institution Statistics

Overall
NCUA #63958
Year Chartered1932
Employees121
Primary Regulator
Assets and Liabilities
Assets$835.44 million
Loans$552.19 million
Deposits$752.27 million
Equity Capital$80.46 million
Loan Loss Allowance$4.72 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$0
Historic Data - March 2013
Assets$815.04 million
Equity Capital$77.67 million
Loan Loss Allowance$6.03 million
Unbacked Noncurrent Loans$2.76 million
Real Estate Owned$158,000
Profit Margin - Quarterly
Net Interest Margin0.95%
Return on Assets0.58%
Return on Equity5.99%
Interest Income$6.50 million
Rates

Always verify rates and promotions with the bank or credit union. We are not 1St United Services Credit Union, we are a rate comparison website and can not provide official rates or promotions.

1St United Services Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$100-Regular Savings
0.05%$100-IRA Savings
0.05%$100-1st Savers Club (16 & under)
0.05%$100-Roth IRA Savings

1St United Services Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$50k-1st Interest Money Market

1St United Services Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$1k-1st Interest Checking

1St United Services Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.25%$1k-84 Month Platinum - Fixed Certificate
1.75%$1k-60 Month Platinum - Fixed Certificate
1.00%$1k-48 Month Platinum - Fixed Certificate
0.80%$1k-36 Month Platinum - Fixed Certificate
0.50%$1k-24 Month Platinum - Fixed Certificate
0.35%$25k-12 Month Triple Advantage Certificate
0.30%$25k-6 Month Triple Advantage Certificate
0.30%$1k-12 Month Platinum - Fixed Certificate
0.25%$1k-6 Month Platinum - Fixed Certificate
0.20%$100-1st Savers Certificate (17 & under)

1St United Services Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.35%$1k-84 Month IRA Fixed Certificate
1.85%$1k-60 Month IRA Fixed Certificate
0.90%$1k-36 Month IRA Fixed Certificate
0.45%$25k-12 Month IRA Fixed Certificate
0.40%$25k-6 Month IRA Fixed Certificate
Locations

1St United Services Credit Union has 11 locations. Click to view all 1St United Services Credit Union locations.