Overview / Commentary
770 Marshall St
Redwood City, CA 94063

Polam Federal Credit Union (CA) is headquartered in Redwood City and is the 171st largest credit union in the state of California. It is also the 1,906th largest credit union in the nation. It was established in 1973 and as of September of 2018, it had grown to 11 employees and 3,328 members at 5 locations. Polam Federal Credit Union (CA) has a B 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 - YTD0.7%
Return on Equity - YTD5.6%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$74.1MM$76.1MM
LoansQ3 2018vs Q3 2017$37.7MM$40.0MM
DepositsQ3 2018vs Q3 2017$64.5MM$67.0MM
Equity CapitalQ3 2018vs Q3 2017$9.3MM$8.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$409.00K$400.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$142.00K$0
Real Estate OwnedQ3 2018vs Q3 2017$625.00K$625.00K
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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

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