Credit Union Safety Analysis
Is San Francisco Federal Credit Union Safe? San Francisco, California
Based on its Q2 2026 NCUA 5300 call report, San Francisco Federal Credit Union has a net worth ratio of 13.63%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.15%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, San Francisco Federal Credit Union's net worth ratio is 13.63%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.63%
- Delinquency ratio (60+ days) (Q2 2026): 0.15%
- Return on assets (Q2 2026): 1.56%
- Loan-to-share ratio (Q2 2026): 69.14%
San Francisco Federal Credit Union (NCUA charter 24542, established 1954) reported $1.63B in assets and 52,101 members for Q2 2026 from San Francisco, California. It ranks 44 of 238 credit unions in California by total assets. Total assets grew 12.8% from $1.44B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.91% for Q1 2026; 11.29% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.15% for Q1 2026; 0.24% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.75% for Q1 2026; 1.10% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 65.08% for Q1 2026; 55.75% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $487.4M
- Commercial loans: $261.6M
- Other unsecured loans and lines of credit: $23.8M
- Used vehicle loans: $19.9M
- Unsecured credit card loans: $17.2M
- New vehicle loans: $14.0M
- Other secured non-real estate loans and lines of credit: $3.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.63B | 13.63% | 0.15% | 1.56% | 69.14% |
| March 31, 2026 | $1.58B | 10.91% | 0.15% | 0.75% | 65.08% |
| December 31, 2025 | $1.45B | 11.56% | 0.17% | 1.27% | 64.58% |
| September 30, 2025 | $1.44B | 11.34% | 0.27% | 1.43% | 62.12% |
| June 30, 2025 | $1.44B | 11.29% | 0.24% | 1.10% | 55.75% |
| March 31, 2025 | $1.33B | 11.73% | 0.20% | 0.90% | 49.18% |
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Free to use. It shows San Francisco Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
San Francisco Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24542) · FFIEC NIC profile (RSSD 642594)
Frequently asked questions
Is San Francisco Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, San Francisco Federal Credit Union's net worth ratio is 13.63%, above the 7% NCUA threshold for well capitalized.
Is San Francisco Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. San Francisco Federal Credit Union is a federally insured credit union (NCUA charter 24542): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are San Francisco Federal Credit Union's key safety ratios?
For Q2 2026, San Francisco Federal Credit Union reports net worth 13.63%, delinquency 0.15%, ROA 1.56%, loan-to-share 69.14%.
What happens to my money if San Francisco Federal Credit Union fails?
For Q2 2026, San Francisco Federal Credit Union held $1.20B in shares and deposits for 52,101 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.