TellerScore

Headquartered in San Francisco, California, San Francisco Fire Credit Union is a non-federally insured state credit union with $1.6B in total assets and $1.5B in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1959.

San Francisco Fire Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 454 credit unions with $1 billion – $10 billion. Among 238 credit unions headquartered in California, it ranks 117th. Problem-loan coverage contributes the most (92/100, 3.8%); earnings contributes the least (51/100, 0.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.72%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity85/100
Loans ÷ shares: 74.8% · 0.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.78%

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 5 points (65 → 70), mostly because the earnings component improved by 17 points.

TellerScore
566370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202456
Q3 202458
Q4 202463
Q1 202560
Q2 202565
Q3 202565
Q4 202565
Q1 202663
Q2 202670
Net worth ratio
7.00%8.86%10.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.19%
Q3 20249.45%
Q4 20249.87%
Q1 20259.86%
Q2 202510.04%
Q3 202510.41%
Q4 202510.37%
Q1 202610.49%
Q2 202610.72%
Delinquent loans (60+ days)
0.50%0.78%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20241.06%
Q4 20240.82%
Q1 20250.83%
Q2 20250.50%
Q3 20250.77%
Q4 20250.80%
Q1 20260.80%
Q2 20260.54%
Return on assets
0.17%0.47%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.43%
Q4 20240.50%
Q1 20250.17%
Q2 20250.34%
Q3 20250.48%
Q4 20250.51%
Q1 20260.24%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.6B10.72%0.54%0.78%74.8%
Q1 202663$1.6B10.49%0.80%0.24%73.9%
Q4 202565$1.6B10.37%0.80%0.51%72.6%
Q3 202565$1.6B10.41%0.77%0.48%73.6%
Q2 202565$1.6B10.04%0.50%0.34%72.6%
Q1 202560$1.6B9.86%0.83%0.17%72.2%
Q4 202463$1.6B9.87%0.82%0.50%73.7%
Q3 202458$1.7B9.45%1.06%0.43%76.4%
Q2 202456$1.7B9.19%0.98%0.24%80.0%

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 ratio10.72%
46th
Problem loans0.54%
65th
Net charge-offs0.12%
92nd
Return on assets0.78%
47th
Loans to deposits74.8%
80th
Uninsured deposits0.0%
99th
Loan-loss reserves0.00%
50th
Texas ratio3.8%
64th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%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
Noble Federal Credit UnionCredit union Fresno, CA65 out of 100, Moderate$1.5B9.8%0.82%vs
Sierra Central Credit UnionCredit union Yuba City, CA67 out of 100, Moderate$1.5B10.0%0.55%vs

Deposit insurance

Is my money safe at San Francisco Fire Credit Union?

San Francisco Fire Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.72%, 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 Fire Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, San Francisco Fire Credit Union reported 401 home-loan applications under HMDA (LEI 549300CLB0CCSJV6S044): 229 originated ($71,345,000 total), 80 denied, and 64 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.7%, 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 Fire Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97069
RSSD ID
770497
Primary regulator
State + NCUA
Established
1959
Headquarters
3201 California Street, San Francisco, CA 94118
Employees
167

Quick answers

San Francisco Fire Credit Union: common questions

Is San Francisco Fire Credit Union NCUA insured?

San Francisco Fire Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is San Francisco Fire Credit Union's TellerScore?

70 out of 100 (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 Fire Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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

InstitutionScoreAssetsCapitalProblem loansCompare
Northeast Community Federal Credit UnionCredit union San Francisco, CA100 out of 100, Very strong$15.2M32.6%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA87 out of 100, Very strong$31.8M18.4%0.00%vs
San Francisco Federal Credit UnionCredit union San Francisco, CA86 out of 100, Very strong$1.6B13.6%0.15%vs
San Francisco Lee Federal Credit UnionCredit union San Francisco, CA85 out of 100, Very strong$10.7M53.3%0.00%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs