TellerScore

San Diego Firefighters Federal Credit Union is a federal credit union headquartered in San Diego, California, in business for about 42 years. At the end of Q2 2026 it reported $152.6M in total assets and $140.9M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, San Diego Firefighters Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 31% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 155th. Its strongest component is funding & liquidity (99/100; 46% loans-to-deposits, 16% uninsured), and its lowest is capital cushion (27/100; 7.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion27/100
Net worth ratio: 7.68%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity99/100
Loans ÷ shares: 45.6% · 16.4% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (64 → 64).

TellerScore
606366Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202464
Q1 202560
Q2 202564
Q3 202565
Q4 202564
Q1 202665
Q2 202664
Net worth ratio
7.00%7.70%8.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.40%
Q3 20248.28%
Q4 20248.23%
Q1 20257.66%
Q2 20257.81%
Q3 20257.85%
Q4 20257.57%
Q1 20267.56%
Q2 20267.68%
Delinquent loans (60+ days)
0.04%0.18%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.13%
Q4 20240.31%
Q1 20250.13%
Q2 20250.19%
Q3 20250.17%
Q4 20250.04%
Q1 20260.10%
Q2 20260.26%
Return on assets
-0.12%0.21%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.42%
Q4 20240.43%
Q1 2025-0.12%
Q2 20250.40%
Q3 20250.48%
Q4 20250.28%
Q1 20260.47%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$152.6M7.68%0.26%0.55%45.6%
Q1 202665$151.7M7.56%0.10%0.47%45.9%
Q4 202564$150.4M7.57%0.04%0.28%46.8%
Q3 202565$146.3M7.85%0.17%0.48%47.9%
Q2 202564$144.0M7.81%0.19%0.40%48.8%
Q1 202560$142.6M7.66%0.13%-0.12%49.6%
Q4 202464$134.4M8.23%0.31%0.43%51.4%
Q3 202466$131.4M8.28%0.13%0.42%53.3%
Q2 202466$126.8M8.40%0.07%0.29%55.6%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.68%
2nd
Problem loans0.26%
85th
Net charge-offs0.04%
94th
Return on assets0.55%
35th
Loans to deposits45.6%
93rd
Uninsured deposits16.4%
4th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
83rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
East County Schools Federal Credit UnionCredit union El Cajon, CA53 out of 100, Below average$146.7M9.4%1.28%vs
South Bay Credit UnionCredit union Redondo Beach, CA59 out of 100, Moderate$160.6M9.4%0.48%vs
Siskiyou Credit UnionCredit union Yreka, CA61 out of 100, Moderate$144.3M9.7%1.19%vs
Kings Federal Credit UnionCredit union Hanford, CA86 out of 100, Very strong$162.5M16.0%0.64%vs
Torrance Community Federal Credit UnionCredit union Torrance, CA73 out of 100, Strong$162.9M10.2%0.13%vs
Tulare County Federal Credit UnionCredit union Tulare, CA48 out of 100, Below average$166.6M6.9%0.74%vs

Deposit insurance

Is my money safe at San Diego Firefighters Federal Credit Union?

Yes. San Diego Firefighters Federal Credit Union is a federally insured credit union (NCUA charter #24110). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 16.4% of shares and deposits ($23.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.68%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

San Diego Firefighters Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
San Diego Firefighters Federal Credit Union
Type
Federal credit union
NCUA charter #
24110
RSSD ID
231699
Primary regulator
NCUA
Established
1984
Headquarters
4926 La Cuenta Drive, San Diego, CA 92124
Employees
13

Quick answers

San Diego Firefighters Federal Credit Union: common questions

Is San Diego Firefighters Federal Credit Union NCUA insured?

Yes. San Diego Firefighters Federal Credit Union is a federally insured credit union (NCUA charter #24110). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is San Diego Firefighters Federal Credit Union's TellerScore?

64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does San Diego Firefighters Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near San Diego

InstitutionScoreAssetsCapitalProblem loansCompare
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
San Diego County Credit UnionCredit union San Diego, CA86 out of 100, Very strong$9.5B19.8%0.20%vs
California Coast Credit UnionCredit union San Diego, CA85 out of 100, Very strong$3.5B13.9%0.26%vs
Home Bank of CaliforniaBank San Diego, CA84 out of 100, Strong$255.4M12.3%0.00%vs
Sag-Aftra Federal Credit UnionCredit union Burbank, CA81 out of 100, Strong$335.6M13.1%0.63%vs
Mission Federal Credit UnionCredit union San Diego, CA81 out of 100, Strong$7.3B12.3%0.15%vs