San Francisco Fire Credit Union San Francisco, California
San Francisco Fire Credit Union is a state-chartered credit union headquartered in San Francisco, CA, established in 1951 (NCUA charter 97069), and it is regulated and insured by the NCUA. At Q2 2026 it reported 72,752 members and total assets of $1.62B (up 0.3% from Q2 2025), the 45th largest of 238 credit unions headquartered in California. Its net worth ratio was 10.72% at Q2 2026, in the well capitalized band.
Also written as San Francisco Fire CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 97069
- Headquarters
- San Francisco, CA
- Established
- 1951
- Total assets, Q2 2026
- $1.62B
- Assets vs Q2 2025
- +0.3%
- Members, Q2 2026
- 72,752
- Net worth ratio, Q2 2026
- 10.72%
- Latest call report
- Q2 2026, NCUA 5300 · San Francisco Fire Credit Union call report
- Asset rank in state
- 45th of 238 in California
- Routing number
- 321076506
- Branches
- 3
It has 676 more members than on June 30, 2025 (+0.9%). Its net worth ratio was up 0.68 percentage points from 10.04% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $872.5M of $1.09B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.72% net worth ratio is below that band's 10.89% median.
Credit unions similar in size in California
Frequently asked about San Francisco Fire Credit Union
How big is San Francisco Fire Credit Union?
At Q2 2026 it reported total assets of $1.62B and 72,752 members.
Where is San Francisco Fire Credit Union headquartered?
It is headquartered in San Francisco, CA, United States.
When was San Francisco Fire Credit Union founded?
It was established in 1951, per NCUA records.
Is San Francisco Fire Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 97069): 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 Fire Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is San Francisco Fire Credit Union well capitalized?
Its net worth ratio was 10.72% 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 Fire Credit Union's delinquency ratio?
Its delinquency ratio was 0.54% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is San Francisco Fire Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.82% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- San Francisco, CA 94118
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 97069
- RSSD ID
- 770497
- Members
- 72,752
- Potential members
- 1,900,728
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 3 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% | 10.72% | 10.89% | 46th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.32% | 0.89% | 78th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 12.41% | 8.07% | 84th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.12% | 3.45% | 29th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 71.06% | 70.59% | 48th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.64% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.54% | 0.68% | 65th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 3.76% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 74.82% | 88.03% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.62B total assets against $1.61B; $1.46B total shares and deposits against $1.47B; $1.09B total loans against $1.06B.
$172.0M net worth against $162.0M.
10.72% net worth ratio against 10.04%.
74.82% loan-to-share ratio against 72.55%.
0.54% delinquency ratio against 0.50%.
1.32% return on assets against 0.52%; 12.41% return on equity against 5.13%.
3.12% net interest margin against 3.06%.
72,752 members against 72,076.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.72% | 1.32% | 0.54% | 74.82% |
| March 31, 2026 | 10.49% | 0.24% | 0.80% | 73.93% |
| December 31, 2025 | 10.37% | 0.63% | 0.80% | 72.61% |
| September 30, 2025 | 10.41% | 0.73% | 0.77% | 73.64% |
| June 30, 2025 | 10.04% | 0.52% | 0.50% | 72.55% |
| March 31, 2025 | 9.86% | 0.17% | 0.83% | 72.23% |
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.