B
F3 Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings F3 Credit Union
San Jose, CA
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Rating B
Asset Quality Index 9.30
Capitalization Index 10.00
Liquidity Index 4.80
Profitability Index 6.90
Stability Index 7.00
Company Info F3 Credit Union
San Jose, CA
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NCUA Charter Number 300
Phone Number (408) 275-8595
Website www.f3creditunion.com
Asset Quality F3 Credit Union
San Jose, CA
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1-Year Asset Growth 0.57%
5-Year Asset Growth 0.80%
5-Year Charge-Offs to Average Loans 0.76%
Charge-Offs to Average Loans 1.36%
Non-Performing Assets to Assets 0.52%
Non-Performing Loans to Capital 3.10%
Non-Performing Loans to Loans 1.03%
Balance Sheet F3 Credit Union
San Jose, CA
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Total Assets 238.75M
Total Deposits 199.96M
Capital and Reserves F3 Credit Union
San Jose, CA
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Capital 37.98M
Leverage Ratio 17.75
Loan Loss Reserves to Loans 1.26%
Liquidity F3 Credit Union
San Jose, CA
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Hot Money Ratio 8.70%
Liquidity Ratio 34.06%
Profitability F3 Credit Union
San Jose, CA
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5-Year Return on Average Assets 0.42%
Net Income 1.32M
Net Interest Spread 3.95%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 67.31%
Return on Assets 0.74%
Return on Equity 4.85%