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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#397 of 4,374 health · 2025Q4San Francisco · health 95/100 · $1.45B · 2025Q4
- NW 95/100
- DELQ 10.9%
- ROA 0.17%
- ASSETS 1.58%
- MEM $1.45B
- RANK 51,658
- PHOTO #397/4,374
- BOOK Capital Educators
- CHARTER 24542
Call Report peers
San Francisco in the assets neighbourhood
San Francisco's $1.45B assets sit next to Capital Educators ($1.45B) 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 Francisco 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
95 Top 10% higher than 90% 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 Francisco - Share Insurance Coverage
Charter #24542'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 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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How San Francisco's 5300 filing moved
San Francisco: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +9.3% from $1.45B (2025Q4) to $1.58B (2026Q1).
- Net-worth ratio shifted -0.65 pp (11.56% → 10.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
San Francisco's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.45B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- 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 Francisco financially healthy?
A 10.91% net worth ratio and a 0.17% delinquency rate feed into San Francisco's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #397 of 4,374; by total assets it ranks #339 of 4,374 nationally (same basis as /rankings/largest); and #46 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does San Francisco compare to other credit unions?
San Francisco scores 95/100 on PlainCU's health composite, compared to a peer group average for Over $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 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?
Federal credit unions like San Francisco 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 Francisco's net worth ratio of 10.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Francisco offer compared to banks?
Credit unions like San Francisco 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 Francisco 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.