At a glance
From its website, read 2 Nov 2026Northeast Community Federal Credit Union is a credit union based in San Francisco, California. Its website describes small-business loans. Where it lends: California statewide, expanded from San Francisco neighborhoods.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (415) 434-0738 source |
|---|---|
| Phone | (415) 441-7283 source |
| Phone | (279) 222-4957 source |
| Website | www.necfcu.org |
| Office (official list) | 127 Waverly Place, San Francisco, CA 94108 |
What their website says about applying
or in-person at any NECFCU branch
sourceGovernment-issued form of identification with photo (domestic or forigh)
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Membership required
To Become a Member
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 2 Sep 2014 |
| RSSD ID | 848592 |
| Address | 127 Waverly Place, San Francisco, CA 94108 Directions (Google Maps) |
| Website | www.necfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan product pages are thin, the business loans page holds only a heading, and loan amounts appear only in customer stories. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-business loans | — | NECFCU supports local businesses through tailored loan products (e.g., Community Small Business Loan program) | source |
Loan sizes
No amounts stated on the pages we read.
Service area
California statewide, expanded from San Francisco neighborhoods
expand our geographic footprint throughout the state of California
source
Counties this matches: City and County of San Francisco, CA, San Mateo County, CA
Borrower focus
- Low- and moderate-income / underserved
providing essential financial services to low-income families and small businesses
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.9 million in 4 awards from the U.S. Treasury's CDFI Fund, 1998–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Program, Financial Assistance | $175,000 |
| 2021 | CDFI Rapid Response Program | $943,000 |
| 2002 | CDFI Program, Technical Assistance | $50,000 |
| 1998 | CDFI Program, Financial Assistance | $720,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $1.5 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as NORTHEAST COMMUNITY (charter 23780). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $15.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 903 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
California (2 offices)
- City and County of San Francisco (2): 127 Waverly Pl, San Francisco 94108 (main office); 288 Jones St, San Francisco 94102
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Northeast Community Federal Credit Union (NCUA charter 23780, filed as “NORTHEAST COMMUNITY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $5.2 million, 54 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 16.8% from $4.4 million on 30 Jun 2025 |
| Members | 903 (as of 30 Jun 2026); 1,009 (as of 30 Jun 2025) |
| Loans per member | $5,753 (total loans divided by members, 30 Jun 2026) |
| Total assets | $15.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $55,580 | 1.1% |
| Used vehicle loans | $21,426 | 0.4% |
| First-lien home mortgages (1-4 family) | $2.5 million | 48.8% |
| Other real estate loans (junior liens, other) | $1.3 million | 25.5% |
| Commercial (business) loans | $320,872 | 6.2% |
| Other unsecured loans | $425,232 | 8.2% |
| Leases and other secured loans | $510,231 | 9.8% |
None reported on the 30 Jun 2026 report: credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $15.2 million | Larger than 8% of the 25 other certified credit unions in California (median $613.8 million). |
| Loans as a share of assets | 34% | Median of the same 25 credit unions: 72%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $4.4 million → $5.2 million (+17%) | Median change of 24 other certified credit unions in California: +4%. Rank by loans held among these 25: 24 → 24. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in California | 25 | larger than 8% |
| Loans held then vs now | certified credit unions in California reporting both dates | 24 | rank 24 → 24 of 25 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
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Work at Northeast Community Federal Credit Union? Link to this page
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