Federal credit union · San Diego, California · NCUA charter #24110
San Diego Firefighters
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $150.4M
- Total assets
- 3,525
- Members
- 7.6%
- Net-worth ratio
San Diego Firefighters scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $150.4M; members 3,525; net-worth ratio 7.56%; health rank #2,666 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,666 of 4,374 health · 2025Q4San Diego Firefighters · health 81/100 · $150.4M · 2025Q4
- ROA 81/100
- ASSETS 7.6%
- MEM 0.04%
- RANK 0.39%
- PHOTO $150.4M
- BOOK 3,525
- CHARTER #2,666/4,374
- NCUSIF ARC
- CAMELS 24110
Call Report peers
San Diego Firefighters in the assets neighbourhood
San Diego Firefighters's $150.4M assets sit next to ARC ($150.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
San Diego Firefighters vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
San Diego Firefighters - Share Insurance Coverage
Charter #24110's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
San Diego Firefighters: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.04% vs peer 0.89% (-0.85 pp).
- Largest lag: Loan-to-Share Ratio at 46.79% vs peer 72.20% (-25.41 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
San Diego Firefighters in California
- In California, health place is #159 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #134 of 243 inside California ($150.4M reported).
- Member book place in California: #174 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
San Diego Firefighters: 2025Q4 → 2026Q1
San Diego Firefighters: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $150.4M (2025Q4) to $151.7M (2026Q1).
- Net-worth ratio shifted -0.01 pp (7.57% → 7.56%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 23.9 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.3 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 10.7 pts
Call Report ratios for San Diego Firefighters
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.56% | -4.55 pp |
| Delinquency Rate | 0.04% | -0.85 pp |
| Return on Assets | 0.39% | -0.24 pp |
| Member Growth | -0.51% | - |
| Loan-to-Share Ratio | 46.79% | -25.41 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - San Diego Firefighters
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $151.7M | - |
| 2025Q4 | $150.4M | 3,525 |
| 2024Q4 | $134.4M | 3,543 |
| 2023Q4 | $126.6M | 3,600 |
Credit Union Details
- Charter Number
- 24110
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- California
- City
- San Diego
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, San Diego Firefighters runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| San Diego Firefighters Federal Credit Union - Main Office (Main Office) | San Diego, CA |
| Corodata Records Management Inc. | Poway, CA |
| CU*South/Site Four | Yankton, SD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for San Diego Firefighters, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($150.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- San Diego Firefighters ranks #2,666 of 4,374 nationally on financial health and #159 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tulare County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tulare County
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is San Diego Firefighters financially healthy?
San Diego Firefighters has a financial health score of 81/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,666 of 4,374; by total assets it ranks #1,486 of 4,374 nationally (same basis as /rankings/largest); and #134 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.56% and delinquency rate of 0.04%.
How does San Diego Firefighters compare to other credit unions?
San Diego Firefighters scores 81/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join San Diego Firefighters?
San Diego Firefighters serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact San Diego Firefighters directly for the current list of qualifying groups.
Is my money safe at San Diego Firefighters?
Federal credit unions like San Diego Firefighters are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. San Diego Firefighters's net worth ratio of 7.56% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Diego Firefighters offer compared to banks?
Credit unions like San Diego Firefighters are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact San Diego Firefighters directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.