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FHLBank San Francisco Awards $3.5 Million in Grants for Pandemic Relief and Economic Development to 97 Nonprofit Organizations

SAN FRANCISCO – September 25, 2020 – The Federal Home Loan Bank of San Francisco awarded $3.5 million in grants to 97 nonprofits through its 2020 AHEAD Program. AHEAD is an annual economic development grant program. In response to the COVID-19 crisis and its economic shocks, FHLBank San Francisco added $2 million to its planned $1.5 million 2020 AHEAD funding allocation to enable members to support targeted pandemic-related initiatives and the help local nonprofits struggling to adapt to increased costs, loss of staff, and postponed fundraising campaigns tied to the pandemic.


Congratulations to Universal Bank for securing a $37,500 grant for Foothill Unity Center, a non-profit food bank and food distribution center with 2 locations in the San Gabriel Valley. This funding will go a long way in further supporting local at-risk communities for hunger.  

Bauer Financial 5-Star Rating

Universal Bank has earned Bauer Financial, Inc.’s highest (5-Star) rating for strength and stability. Achievement of this coveted 5-Star Superior rating puts Universal Bank in an elite category as one of the strongest banks in the nation. Please find our 5-Star rating by clicking here.

Bauer Financial, the nation’s premier bank rating firm, has been evaluating and rating banks since 1983. Earning a 5-Star Superior rating means Universal Bank excels in areas of capital, loan quality, profitability and more.

Bauer Financial, Inc., the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt out of a Bauer Financial rating. Consumers may obtain free star-rating information by visiting

Universal Bank is proud to be recognized by for being #161 on the 2020 Top 200 Healthiest Banks in America with an A+ grade. evaluates the financial health of over 10,000 banks and credit unions in the United States once per quarter. To determine bank ranking and recognition, grades each institution on a number of factors, including capitalization, deposit growth, and loan-to-reserve ratios.

“We believe it is important to give consumers a way to evaluate the financial health of their institutions,” said Ken Tumin, founder of “Our list empowers consumers to make informed decisions when selecting a financial institution.”

For a complete listing of the 2020 Top 200 Healthiest Banks in America, click here.