Total Assets
$239.4M
Total Deposits
$199.7M
Branches
4
Established
1931
F3 is a credit union headquartered in SAN JOSE, California, established in 1931. It holds $239.4M in total assets across 4 branch locations. In our editorial opinion, based on public FDIC/NCUA data, F3 earns a TFS Financial Health Grade of C- (64.5/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
64.5 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through March 31, 2026. Updated by TFS August 28, 2026. Data sourced from NCUA Call Reports as of 2026-Q1. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Main OfficeHQ | 1040 Leigh Ave | San Jose | CA | Full Service |
| Oakland Branch | 480 ROLAND WAY STE 102 | OAKLAND | CA | Full Service |
| San Francisco Branch | 175 Mendell St | San Francisco | CA | Full Service |
| North San Jose Branch | 1750 Lundy Ave | San Jose | CA | Full Service |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
64.5
Net worth ratio
18.07%
Return on assets
0.53%
60+ day delinquency
0.98%
Suggested direct comparisons
$99.1B
CENTRAL STATE
Stockton, CA
$255.2M
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.