Federal credit union · San Francisco, California · NCUA charter #97069
San Francisco Fire
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.61B
- Total assets
- 72,460
- Members
- 10.1%
- Net-worth ratio
San Francisco Fire - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #97069. See our deposit-insurance coverage note.
San Francisco Fire - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)88
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 10.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.08% | 30% |
| Delinquency Rate | 0.80% | 25% |
| Return on Assets | 0.50% | 15% |
| Member Growth | -9.84% | 15% |
| Loan-to-Share Ratio | 72.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.61B | 72,460 |
| 2024Q4 | $1.63B | 80,368 |
| 2023Q4 | $1.76B | 78,801 |
Credit Union Details
- Charter Number
- 97069
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- California
- City
- San Francisco
- Data Quarter
- 2025Q4
What This Data Says About San Francisco Fire
Charter #97069, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's San Francisco Fire, a federal credit union in San Francisco, California with 72,460 members, $1.61B in total assets, and $1.06B in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 10.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.80% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 72.61% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.50% on net income of $8.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -9.84%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is San Francisco Fire financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, San Francisco Fire carries a financial health score of 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.08% net worth ratio and a 0.80% delinquency rate.
How does San Francisco Fire compare to other credit unions?
82/100 is San Francisco Fire's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Fire?
Membership eligibility for San Francisco Fire depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact San Francisco Fire directly for current membership requirements and application steps.
Is my money safe at San Francisco Fire?
Federal credit unions like San Francisco Fire 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 Fire's net worth ratio of 10.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Francisco Fire offer compared to banks?
Credit unions like San Francisco Fire 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 Fire directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.