Polam
Polam is a credit union based in Redwood City, California, established in 1973, with $74 million in total assets serving 3,794 members. By Trust Grade it ranks 167th of 241 credit unions we track in California. Its net worth ratio of 13.6% trails most similarly sized credit unions (45th percentile), versus a California median of 11.1%. It posted a loss over the most recent period (-0.75% return on assets), a point to watch. No consumer complaints against Polam appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Polam compares to California peers
How we graded Polam
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.6% capital ratio)
- Unprofitable over the period (ROA -0.75%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Polam over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Polam insured?
Yes. Polam 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.
Polam: frequently asked questions
Is Polam a good credit union?
Polam earns a Bankzia Trust Grade of B (83/100, "Strong"), based on a financial-strength score of 83/100 (it has no CFPB complaints on record). Strongly capitalized (13.6% capital ratio); Unprofitable over the period (ROA -0.75%).
Is Polam NCUA-insured?
Yes. Polam 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 Polam?
Polam holds $74 million in total assets, ranking 167th of 241 credit unions we track in California. It serves 3,794 members.
Does Polam have CFPB complaints?
No CFPB complaints against Polam 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.
