Federal credit union · San Francisco, California · NCUA charter #97069
San Francisco Fire
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.61B
- Total assets
- 72,460
- Members
- 10.5%
- Net-worth ratio
San Francisco Fire scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.61B; members 72,460; net-worth ratio 10.49%; health rank #2,455 of 4,374; healthier than 43rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,455 of 4,374 health · 2025Q4San Francisco Fire · health 82/100 · $1.61B · 2025Q4
- NW 82/100
- DELQ 10.5%
- ROA 0.80%
- ASSETS 0.50%
- MEM $1.61B
- RANK 72,460
- PHOTO #2,455/4,374
- BOOK Verve, a Credit Union
- CHARTER 97069
Call Report peers
San Francisco Fire in the assets neighbourhood
San Francisco Fire's $1.61B assets sit next to Verve, a Credit Union ($1.61B) 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 Fire 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
82 43rd percentile higher than 43% 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 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 vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.07 pp (0.80% vs 0.87%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -11.29 pp (72.61% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for San Francisco Fire
- Health composite ranks #149 of 243 among scored California credit unions.
- Assets rank #44 of 243 inside California ($1.61B reported).
- Member book place in California: #50 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 Francisco Fire Call Report trajectory
San Francisco Fire: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $1.61B (2025Q4) to $1.60B (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.37% → 10.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
San Francisco Fire health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.49% | -0.69 pp |
| Delinquency Rate | 0.80% | -0.07 pp |
| Return on Assets | 0.50% | -0.00 pp |
| Member Growth | -9.84% | - |
| Loan-to-Share Ratio | 72.61% | -11.29 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 Fire quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.60B | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, San Francisco Fire runs 3 offices.
| Office | City |
|---|---|
| Main Branch (Main Office) | San Francisco, CA |
| Stonestown Branch | San Francisco, CA |
| Noe Valley 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for San Francisco Fire - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.61B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- San Francisco Fire ranks #2,455 of 4,374 nationally on financial health and #149 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Northrop Grumman is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Northrop Grumman
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,455 of 4,374; by total assets it ranks #304 of 4,374 nationally (same basis as /rankings/largest); and #44 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.49% 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 10.49% 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.
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.