credit union

First U.S. Community

Sacramento, CA · Est. 1936
B
Trust Grade
Strong
Score: 86/100

First U.S. Community is a credit union based in Sacramento, California, established in 1936, with $554 million in total assets serving 27,555 members. By Trust Grade it ranks 141st 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 posted a loss over the most recent period (-0.27% return on assets), a point to watch. No consumer complaints against First U.S. Community appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$554.2M
$100M–1B institution
Members
27,555
Shares & deposits
—
Net worth ratio
11.7%
Top 44% of $100M–1B peers · California median 11.1%
Return on assets
-0.3%
Bottom 4% of $100M–1B peers · California median 0.5%
Rank in California
#141
of 241 credit unions

How First U.S. Community compares to California peers

Net worth ratio
Top 44% of $100M–1B peers
First U.S.
11.7%
California median
11.1%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 4% of $100M–1B peers
First U.S.
-0.3%
California median
0.5%
Higher ROA = more profitable relative to asset base

How we graded First U.S. Community

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
86/100
Customer experience
n/a
Overall
B · 86
  • Strongly capitalized (11.7% capital ratio)
  • Unprofitable over the period (ROA -0.27%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First U.S. Community over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at First U.S. Community insured?

Yes. First U.S. Community 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.

First U.S. Community: frequently asked questions

Is First U.S. Community a good credit union?

First U.S. Community earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Strongly capitalized (11.7% capital ratio); Unprofitable over the period (ROA -0.27%).

Is First U.S. Community NCUA-insured?

Yes. First U.S. Community 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 First U.S. Community?

First U.S. Community holds $554 million in total assets, ranking 141st of 241 credit unions we track in California. It serves 27,555 members.

Does First U.S. Community have CFPB complaints?

No CFPB complaints against First U.S. Community appear in our data over the analysis window, which is typical for a credit union of this size.

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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.

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