F3
F3 is a credit union based in San Jose, California, established in 1931, with $239 million in total assets serving 12,873 members. By Trust Grade it ranks 69th of 241 credit unions we track in California. Its net worth ratio of 18.1% is stronger than 95% of similarly sized credit unions, versus a California median of 11.1%. It was profitable over the most recent period, with a 0.53% return on assets. No consumer complaints against F3 appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How F3 compares to California peers
How we graded F3
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.1% capital ratio)
- Profitable (ROA 0.53%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for F3 over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at F3 insured?
Yes. F3 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.
F3: frequently asked questions
Is F3 a good credit union?
F3 earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (18.1% capital ratio); Profitable (ROA 0.53%).
Is F3 NCUA-insured?
Yes. F3 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 F3?
F3 holds $239 million in total assets, ranking 69th of 241 credit unions we track in California. It serves 12,873 members.
Does F3 have CFPB complaints?
No CFPB complaints against F3 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.
