TellerScore

San Francisco Federal Credit Union (NCUA charter #24542) is based in San Francisco, California. Its Q2 2026 call report shows $1.6B in total assets and $1.2B in member shares and deposits and 3 offices.

San Francisco Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 29th. Problem-loan coverage contributes the most (99/100, 0.6%); earnings contributes the least (65/100, 1.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.63%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings65/100
Return on assets (annualized): 1.12%
Funding & liquidity91/100
Loans ÷ shares: 69.1% · 8.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.59%

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

From Q2 2025 to Q2 2026, the score rose 8 points (78 → 86), mostly because the capital cushion component improved by 23 points.

TellerScore
768287Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202484
Q4 202487
Q1 202579
Q2 202578
Q3 202579
Q4 202581
Q1 202676
Q2 202686
Net worth ratio
7.00%10.32%13.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.73%
Q3 202411.24%
Q4 202412.06%
Q1 202511.73%
Q2 202511.29%
Q3 202511.34%
Q4 202511.56%
Q1 202610.91%
Q2 202613.63%
Delinquent loans (60+ days)
0.15%0.55%0.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.95%
Q3 20240.35%
Q4 20240.31%
Q1 20250.20%
Q2 20250.24%
Q3 20250.27%
Q4 20250.17%
Q1 20260.15%
Q2 20260.15%
Return on assets
0.75%1.38%2.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.01%
Q3 20241.86%
Q4 20241.77%
Q1 20250.89%
Q2 20250.96%
Q3 20251.12%
Q4 20251.15%
Q1 20260.75%
Q2 20261.12%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$1.6B13.63%0.15%1.12%69.1%
Q1 202676$1.6B10.91%0.15%0.75%65.1%
Q4 202581$1.4B11.56%0.17%1.15%64.6%
Q3 202579$1.4B11.34%0.27%1.12%62.1%
Q2 202578$1.4B11.29%0.24%0.96%55.7%
Q1 202579$1.3B11.73%0.20%0.89%49.2%
Q4 202487$1.3B12.06%0.31%1.77%45.8%
Q3 202484$1.3B11.24%0.35%1.86%45.2%
Q2 202482$1.3B11.73%0.95%2.01%41.7%

454 peers · $1 billion – $10 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 ratio13.63%
85th
Problem loans0.15%
97th
Net charge-offs0.13%
91st
Return on assets1.12%
75th
Loans to deposits69.1%
87th
Uninsured deposits8.5%
56th
Loan-loss reserves0.00%
50th
Texas ratio0.6%
98th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
San Francisco Fire Credit UnionCredit union San Francisco, CA70 out of 100, Strong$1.6B10.7%0.54%vs
Northrop Grumman Federal Credit UnionCredit union Gardena, CA53 out of 100, Below average$1.6B9.1%1.62%vs
Keypoint Credit UnionCredit union San Jose, CA59 out of 100, Moderate$1.7B9.1%0.36%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Frontwave Credit UnionCredit union Oceanside, CA62 out of 100, Moderate$1.7B9.1%0.81%vs
Noble Federal Credit UnionCredit union Fresno, CA65 out of 100, Moderate$1.5B9.8%0.82%vs

Deposit insurance

Is my money safe at San Francisco Federal Credit Union?

Yes. San Francisco Federal Credit Union is a federally insured credit union (NCUA charter #24542). 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 8.5% of shares and deposits ($101.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.63%, well 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 Francisco Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, San Francisco Federal Credit Union reported 232 home-loan applications under HMDA (LEI 549300K5R2UQGSNVT989): 198 originated ($215,250,000 total), 7 denied, and 20 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
San Francisco Federal Credit Union
Type
Federal credit union
NCUA charter #
24542
RSSD ID
642594
Primary regulator
NCUA
Established
1954
Headquarters
770 Golden Gate Avenue, San Francisco, CA 94102
Employees
131

Quick answers

San Francisco Federal Credit Union: common questions

Is San Francisco Federal Credit Union NCUA insured?

Yes. San Francisco Federal Credit Union is a federally insured credit union (NCUA charter #24542). 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 Francisco Federal Credit Union's TellerScore?

86 out of 100 (Very strong), 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 Francisco Federal Credit Union have?

3 offices as of the latest NCUA data.