Federal credit union · San Francisco, California · NCUA charter #24542
San Francisco
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $1.45B
- Total assets
- 51,658
- Members
- 10.9%
- Net-worth ratio
San Francisco scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.45B; members 51,658; net-worth ratio 10.91%; health rank #397 of 4,374; healthier than 90th of scored peers.
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#397 of 4,374 health · 2025Q4San Francisco · health 95/100 · $1.45B · 2025Q4
Call Report peers
San Francisco in the assets neighbourhood
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San Francisco vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); San Francisco sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
San Francisco: Call Report deltas vs peers
- Largest favorable gap: Return on Assets at 1.58% vs peer 0.51% (+1.07 pp).
- Largest lag: Loan-to-Share Ratio at 64.58% vs peer 83.90% (-19.32 pp).
Where San Francisco sits in California
- Health composite ranks #29 of 243 among scored California credit unions.
- By total assets, San Francisco is #46 of 243 in California.
- Member book place in California: #66 of 243.
- One place up in California, Star One (#28) ties at 95/100; one place down, The Golden 1 (#30) ties at 95/100.
How San Francisco's 5300 filing moved
San Francisco: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +9.3% from $1.45B (2025Q4) to $1.58B (2026Q1).
- Net-worth ratio shifted -0.65 pp (11.56% → 10.91%).
This credit union's 10.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
San Francisco gives up 5 points in total. Member Growth costs the most, 3.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 13.8 pts
Call Report ratios for San Francisco
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.91% | -0.27 pp |
| Delinquency Rate | 0.17% | -0.70 pp |
| Return on Assets | 1.58% | +1.07 pp |
| Member Growth | 1.81% | - |
| Loan-to-Share Ratio | 64.58% | -19.32 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
San Francisco filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.58B | - |
| 2025Q4 | $1.45B | 51,658 |
| 2024Q4 | $1.29B | 50,742 |
| 2023Q4 | $1.49B | 49,780 |
Credit Union Details
- Charter Number
- 24542
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- San Francisco
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, San Francisco runs 8 offices in 3 different cities.
| Office | City |
|---|---|
| Golden Gate Avenue (Main Office) | San Francisco, CA |
| Burlingame Branch | Burlingame, CA |
| Redwood City Branch | Redwood City, CA |
| Golden Gate Branch | San Francisco, CA |
| Lakeside Village Branch | San Francisco, CA |
| Richmond Branch | San Francisco, CA |
| Excelsior Branch | San Francisco, CA |
| Van Ness Branch | San Francisco, CA |
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.
Other-state peers near San Francisco
Using this data
- San Francisco ranks #397 of 4,374 nationally on financial health and #29 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ventura County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ventura County
Frequently Asked Questions
Is San Francisco financially healthy?
San Francisco has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #397 of 4,374 nationally on health and #29 of 243 in California. Its net worth ratio is 10.91% and its delinquency rate 0.17%.
How does San Francisco compare to other credit unions?
San Francisco scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (1.58% vs 0.51%). Its widest shortfall is loan-to-share ratio (64.58% vs 83.90%).
How can I join San Francisco?
San Francisco operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact San Francisco directly for the exact boundaries and application steps.
Is my money safe at San Francisco?
San Francisco is a federal credit union; its shares are federally 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 Francisco's net worth ratio of 10.91% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.