Unverified listing What this means
The Lender Report built this page from public records. First U.S. Community Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about First U.S. Community Credit Union itself. Each figure shows its source and date. Work at First U.S. Community Credit Union? You can claim this page for free.
Credit union, Sacramento, CA
First U.S. Community Credit Union
A credit union based in Sacramento, CA. Its commercial book is mostly owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $28.2M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 1
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 13
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $548M
- NCUA 5300,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- 916-576-5700 From the NCUA record, June 30, 2026.
- Website
- www.firstus.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- firstus.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- FIRST U.S. COMMUNITY; First US Community Credit Union; First U.S. Community CUNCUA 5300,
- Address
- 580 University Ave, Sacramento, CA 95825NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. First U.S. Community Credit Union's Owner-occupied CRE balance rose 23.4% to $19M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 24.1% to $19M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 5.6% to $1.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Apr 2026 | California | SBA 7(a), Other Building Equipment Contractors | $280K | 9% | 10 yr | SBA FOIA | |
| Apr 2026 | California | SBA 7(a), Other Building Equipment Contractors | $100K | 11.25% | 10 yr | SBA FOIA | |
| Feb 2026 | California | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $75K | 11.25% | 10 yr | SBA FOIA | |
| Jan 2026 | California | SBA 7(a), Beauty Salons | $50K | 13.25% | 10 yr | SBA FOIA | |
| Mar 2025 | California | SBA 504, Beer, Wine, and Liquor Retailers | $140K | 25 yr | SBA FOIA | ||
| Sep 2024 | California | SBA 7(a), Fitness and Recreational Sports Centers | $200K | 9.5% | 10 yr | SBA FOIA | |
| Aug 2024 | California | SBA 7(a), Mobile Food Services | $34K | 9.5% | 10 yr | SBA FOIA | |
| Jul 2024 | California | SBA 504, All Other Health and Personal Care Retailers | $150K | 25 yr | SBA FOIA | ||
| Apr 2024 | California | SBA 7(a), Other Aircraft Parts and Auxiliary Equipment Manufacturing | $500K | 7.5% | 10 yr | SBA FOIA | |
| Mar 2024 | California | SBA 7(a), Pet and Pet Supplies Retailers | $250K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2024 | California | SBA 504, Snack and Nonalcoholic Beverage Bars | $190K | 25 yr | SBA FOIA | ||
| 8 SBA 7(a) loans since October 2023, net of cancelled | $1.49M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $567K | 0.2% | Not reported | 1 | $567K |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $19.0M | 5.3% | +24.1% | 28 | $679K |
| Non-owner-occupied CRE | $7.03M | 2.0% | -15.1% | 16 | $440K |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $1.60M | 0.5% | +5.6% | 17 | $94.1K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $28.2M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $21.0M |
| Q4 2023 | $22.4M |
| Q1 2024 | $22.6M |
| Q2 2024 | $24.2M |
| Q3 2024 | $24.1M |
| Q4 2024 | $24.4M |
| Q1 2025 | $25.0M |
| Q2 2025 | $25.1M |
| Q3 2025 | $24.9M |
| Q4 2025 | $24.6M |
| Q1 2026 | $24.5M |
| Q2 2026 | $28.2M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 1 | $280K | $280K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 8 | $1.49M | $149K | $500K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 4 | $510K | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 5 | $979K | $188K | $310K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 1 | $3.7M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 1 | $3.7M | NCUA 5300, | ||
| C&I | First half of 2026 | 4 | $429K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Multifamily | $567K |
| Owner-occupied CRE | $679K |
| Non-owner-occupied CRE | $440K |
| Commercial and industrial | $94.1K |
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 5 | 0 | 1 | 8 | 5 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $67.1M | $49.8M to $174M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $22.5M | $0 to $551M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 33.6% | 0.0% to 369.7% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $9.82M | $5.43M to $27.4M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 11.6% | 0.0% to 160.2% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 65.5% | 51.0% to 81.3% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 21.5 days, median of 8
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| America's Christian Credit Union | CA | $820M | $375M |
| YOLO Credit Union | CA | $412M | $13.3M |
| Cabrillo Credit Union | CA | $574M | $10.1M |
| CAHP Credit Union | CA | $407M | $4.09M |
| USC Credit Union | CA | $741M | $198K |
| Sacramento Credit Union | CA | $858M | $19.1M |
| Adelfi Credit Union | CA | $1.42B | $560M |
| The Police Credit Union | CA | $1.05B | $3.90M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. First U.S. Community Credit Union, NCUA charter 68474. Compare it with the regulator's record. [NCUA profile]
- Balances. $548M in total assets and $28.2M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 1 real-estate-secured commercial loan made in the first half of 2026, from your NCUA Form 5300, and 14 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA 1-4 unit investor 2025, 8 SBA 7(a) in 36 months, 5 SBA 504 first liens in 36 months. [How each file was tied to First U.S. Community Credit Union]
- Phone and website. Phone 916-576-5700, from the NCUA record. Website firstus.org, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 68474
- RSSD
- 1016370
- LEI
- 5493002R8QX1FQSB8Z06
- The Lender Report ID
- lr_002426
- Main office county
- Sacramento
- Members
- 27,130
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $547.9M in total assets as of June 30, 2026 (NCUA 5300).
- Held $28.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $19M of owner-occupied commercial real estate loans as of June 30, 2026, up 24.1% from a year earlier (NCUA 5300).
- Held $7M of non-owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $1.6M of commercial and industrial loans as of June 30, 2026, up 5.6% from a year earlier (NCUA 5300).
- Originated 1 1-4 unit investor or business-purpose loan totaling $280K in 2025 (HMDA).
4 more sentences
- Recorded 8 SBA 7(a) approvals totaling $1.5M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 5 SBA 504 projects with $979K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 1 real-estate-secured commercial loan totaling $3.7M in the first half of 2026 (NCUA 5300).
- Listed 5 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, First U.S. Community Credit Union, https://lender.report/lender/first-u-s-community-credit-union-ca/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at First U.S. Community Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem