F3 is an NCUA insured institution located in San Jose, CA. It was founded in 1931 and has approximately $239.38 millions in assets.
Who can join?
You are eligible to join if you are:
• Employed by or retired from the U.S. Postal Service in the counties of San Francisco, Marin, Sonoma, Napa, San Mateo, Santa Clara, Santa Cruz, Monterey, San Benito, Solano, Contra Costa, Alameda, or San Joaquin counties, or
• Employed by or retired from Civil Service in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito and San Francisco.
• The spouse or relative of the above individuals or the spouse or relative of those who are already members of Pacific Postal Credit Union.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64835 |
| Date Established | 1931 |
| Assets | $239.38 million |
| Loans | $113.58 million |
| Deposits | $199.70 million |
| Capital | $43.25 million |
Your Current Location: Rhode Island, RI
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Your Current Location: Rhode Island, RI
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Below are F3 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Central Falls,Rhode Island
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 2694.22 | A | View Lobby Hours | |
| 2696.68 | B | View Lobby Hours | |
| 2701.60 | C | View Lobby Hours | |
| 2708.04 | D | View Lobby Hours | |
| 2717.66 | E | View Lobby Hours |
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The following ratios and data are available to help you better understand the financial condition of F3. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
| F3 | U.S. Average |
|---|---|
| 4.66% | 6.78 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2025, F3 had $2,038,305 in non-current loans and $20,787 in owned assets. To cover these potential losses it had $43,246,338 in net worth and $986,676 in loans loss reserves. That gives it a Texas Ratio of 4.66%.
| F3 | U.S. Average |
|---|---|
| 18.07% | 14.48% |
F3 FCU has a net worth of 18.07% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
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Last Update on September 22, 2026
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