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.
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#2,455 of 4,374 health · 2025Q4San Francisco Fire · health 82/100 · $1.61B · 2025Q4
Call Report peers
San Francisco Fire in the assets neighbourhood
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San Francisco Fire vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); San Francisco Fire sits in 80-84 with 767 others.
82 43rd percentile higher than 43% 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 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%).
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.
- One place up in California, INTERFAITH (#148) ties at 82/100; one place down, First Entertainment (#150) ties at 82/100.
San Francisco Fire Call Report trajectory
San Francisco Fire: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $1.61B (2025Q4) to $1.60B (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.37% → 10.49%).
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
San Francisco Fire gives up 18 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is San Francisco Fire financially healthy?
On its 2025Q4 NCUA 5300 filing, San Francisco Fire scores 82/100 (Excellent), with a 10.49% net worth ratio and 0.80% of loans delinquent. It ranks #2,455 of 4,374 nationally on health and #149 of 243 in California.
How does San Francisco Fire compare to other credit unions?
San Francisco Fire scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.80% vs 0.87%). Its widest shortfall is loan-to-share ratio (72.61% vs 83.90%).
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?
San Francisco Fire 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 Fire's net worth ratio of 10.49% 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.