Delancey Street Federal Credit Union San Francisco, California
Delancey Street Federal Credit Union is a federal credit union headquartered in San Francisco, CA, established in 1973 (NCUA charter 21393), and it is regulated and insured by the NCUA. At Q2 2026 it reported 88 members and total assets of $528K (up 22.3% from Q2 2025), the 238th largest of 238 credit unions headquartered in California. Its net worth ratio was 26.75% at Q2 2026, in the well capitalized band.
Also written as Delancey Street FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21393
- Headquarters
- San Francisco, CA
- Established
- 1973
- Total assets, Q2 2026
- $528K
- Assets vs Q2 2025
- +22.3%
- Members, Q2 2026
- 88
- Net worth ratio, Q2 2026
- 26.75%
- Latest call report
- Q2 2026, NCUA 5300 · Delancey Street Federal Credit Union call report
- Asset rank in state
- 238th of 238 in California
- Routing number
- 321076014
- Branches
- 2
It has 8 more members than on June 30, 2025 (+10.0%). Its net worth ratio was down 4.93 percentage points from 31.68% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1K of $1K in total loans on its June 30, 2026 filing.
Credit unions similar in size in California
Frequently asked about Delancey Street Federal Credit Union
How big is Delancey Street Federal Credit Union?
At Q2 2026 it reported total assets of $528K and 88 members.
Where is Delancey Street Federal Credit Union headquartered?
It is headquartered in San Francisco, CA, United States.
When was Delancey Street Federal Credit Union founded?
It was established in 1973, per NCUA records.
Is Delancey Street Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21393): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Delancey Street Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Delancey Street Federal Credit Union well capitalized?
Its net worth ratio was 26.75% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Delancey Street Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 0.37% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Francisco, CA 94107
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1973
- NCUA Charter #
- 21393
- RSSD ID
- 390886
- Members
- 88
- Potential members
- 1,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 3 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 26.75% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -3.07% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -11.48% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | not on file | 3.93% | not on file |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | not on file | 0.78% | not on file |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.43% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 0.37% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$528K total assets against $432K; $387K total shares and deposits against $295K; $1K total loans against $351.
$141K net worth against $137K.
26.75% net worth ratio against 31.68%.
0.37% loan-to-share ratio against 0.12%.
-3.07% return on assets against 2.48%; -11.48% return on equity against 7.82%.
88 members against 80.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 26.75% | -3.07% | — | 0.37% |
| March 31, 2026 | 29.17% | 2.36% | — | 1.14% |
| December 31, 2025 | 28.44% | 2.20% | — | 2.42% |
| September 30, 2025 | 29.82% | 2.39% | — | 0.12% |
| June 30, 2025 | 31.68% | 2.48% | — | 0.12% |
| March 31, 2025 | 32.11% | 2.47% | — | 0.77% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.