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Polam Federal Credit Union (CA)

Popular Accounts at this Credit Union

0.60%1-year CD12 month CD
0.25%SavingsVantage Savings
0.80%2-year CD24 month CD

Overview / Commentary
770 Marshall St
Redwood City, CA 94063

Polam Federal Credit Union (CA) is headquartered in Redwood City and is the 167th largest credit union in the state of California. It is also the 1,865th largest credit union in the nation. It was established in 1973 and as of September of 2017, it had grown to 12 employees and 3,278 members at 5 locations. Polam Federal Credit Union (CA) has an A health rating.

Field of Membership Restrictions

Membership in Polam Federal Credit Union is open to members of the Polish-American community.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Polam Federal Credit Union (CA) has a relatively low asset base.

Health Grade Components

NCUA #21502
Year Chartered1973
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD2.93%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$76.1MM$70.5MM
LoansQ3 2017vs Q3 2016$40.0MM$36.4MM
DepositsQ3 2017vs Q3 2016$67.0MM$61.7MM
Equity CapitalQ3 2017vs Q3 2016$8.8MM$8.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$400.00K$455.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$0$193.00K
Real Estate OwnedQ3 2017vs Q3 2016$625.00K$1.2MM
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Polam Federal Credit Union (CA) Savings Account Rates

0.25%--Vantage Savings

Polam Federal Credit Union (CA) CD Rates

0.80%--24 month CD
0.60%--12 month CD

Polam Federal Credit Union (CA) Locations
Branch Office4313 Elkhorn BlvdSacramento, CA 95842
Branch Office1010 Oak Grove RdConcord, CA 94518-3005
Branch Office5923 Geary BlvdSan Francisco, CA 94121-2006
Branch Office770 Marshall StRedwood City, CA 94063-1846
Branch Office55 Broad StNew Britain, CT 06053-4304