1st Northern California
1st Northern California is a credit union based in Martinez, California, established in 1949, with $825 million in total assets serving 32,353 members. By Trust Grade it ranks 83rd of 241 credit unions we track in California. Its net worth ratio of 11.7% is stronger than 56% of similarly sized credit unions, versus a California median of 11.1%. It was profitable over the most recent period, with a 0.52% return on assets. No consumer complaints against 1st Northern California appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How 1st Northern California compares to California peers
How we graded 1st Northern California
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.7% capital ratio)
- Profitable (ROA 0.52%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for 1st Northern California over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at 1st Northern California insured?
Yes. 1st Northern California 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 Northern California: frequently asked questions
Is 1st Northern California a good credit union?
1st Northern California earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (11.7% capital ratio); Profitable (ROA 0.52%).
Is 1st Northern California NCUA-insured?
Yes. 1st Northern California 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 Northern California?
1st Northern California holds $825 million in total assets, ranking 83rd of 241 credit unions we track in California. It serves 32,353 members.
Does 1st Northern California have CFPB complaints?
No CFPB complaints against 1st Northern California appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
