San Francisco Federal Credit Union San Francisco, California
San Francisco Federal Credit Union is a federal credit union headquartered in San Francisco, CA, established in 1954 (NCUA charter 24542), and it is regulated and insured by the NCUA. At Q2 2026 it reported 52,101 members and total assets of $1.63B (up 12.8% from Q2 2025), the 44th largest of 238 credit unions headquartered in California. Its net worth ratio was 13.63% at Q2 2026, in the well capitalized band.
Also written as San Francisco 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
- 24542
- Headquarters
- San Francisco, CA
- Established
- 1954
- Total assets, Q2 2026
- $1.63B
- Assets vs Q2 2025
- +12.8%
- Members, Q2 2026
- 52,101
- Net worth ratio, Q2 2026
- 13.63%
- Latest call report
- Q2 2026, NCUA 5300 · San Francisco Federal Credit Union call report
- Asset rank in state
- 44th of 238 in California
- Routing number
- 321076441
- Branches
- 8
It has 697 more members than on June 30, 2025 (+1.4%). Its net worth ratio was up 2.34 percentage points from 11.29% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $487.4M of $827.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.63% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in California
Credit unions merged into San Francisco Federal Credit Union
MY Credit Union (2022) · S.F. Bay Area Educators Credit Union (2020) · Bethel A.M.E. San Francisco Federal Credit Union (2015) · San Francisco Recreation & Parks Federal Credit Union (2015) · San Francisco B P R Federal Credit Union (2013)
Frequently asked about San Francisco Federal Credit Union
How big is San Francisco Federal Credit Union?
At Q2 2026 it reported total assets of $1.63B and 52,101 members.
Where is San Francisco Federal Credit Union headquartered?
It is headquartered in San Francisco, CA, United States.
When was San Francisco Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is San Francisco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24542): 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 San Francisco Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is San Francisco Federal Credit Union well capitalized?
Its net worth ratio was 13.63% 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 San Francisco Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is San Francisco Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.14% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Francisco, CA 94102
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 24542
- RSSD ID
- 642594
- Members
- 52,101
- Potential members
- 3,386,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.63% | 10.89% | 83rd top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.56% | 0.89% | 87th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.42% | 8.07% | 78th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.12% | 3.45% | 30th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 63.86% | 70.59% | 73rd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.66% | 1.68% | 52nd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.15% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.78% | 5.12% | 29th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 69.14% | 88.03% | 16th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.63B total assets against $1.44B; $1.20B total shares and deposits against $1.11B; $827.0M total loans against $620.9M.
$216.3M net worth against $157.5M.
13.63% net worth ratio against 11.29%.
69.14% loan-to-share ratio against 55.75%.
0.15% delinquency ratio against 0.24%.
1.56% return on assets against 1.10%; 11.42% return on equity against 10.05%.
3.12% net interest margin against 3.20%.
52,101 members against 51,404.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.63% | 1.56% | 0.15% | 69.14% |
| March 31, 2026 | 10.91% | 0.75% | 0.15% | 65.08% |
| December 31, 2025 | 11.56% | 1.27% | 0.17% | 64.58% |
| September 30, 2025 | 11.34% | 1.43% | 0.27% | 62.12% |
| June 30, 2025 | 11.29% | 1.10% | 0.24% | 55.75% |
| March 31, 2025 | 11.73% | 0.90% | 0.20% | 49.18% |
Scroll sideways to see every column.
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.