San Francisco Federal Credit Union
Total assets
$1.58B
▲ +19.3% YoY
Shares & deposits
$1.19B
▲ +6.3% YoY
Loans
$777.4M
▲ +40.7% YoY
Members
51,908
▲ +1.6% YoY
ROA (annualized)
0.75%
peers 0.71%
ROE (annualized)
6.99%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.3% | +5.1% | +14.2 pts |
| Share growth (YoY) | +6.3% | +4.9% | +1.5 pts |
| Loan growth (YoY) | +40.7% | +5.4% | +35.3 pts |
| ROA | 0.75% | 0.71% | +0.0 pts |
| ROE | 7.0% | 6.3% | +0.7 pts |
ROA ranks in the 54th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 770 Golden Gate Avenue, San Francisco, CA, 94102
- NCUA charter #
- 24542
- RSSD ID
- 642594
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.58B | $1.19B | $777.4M | $170.3M | $3.0M | 0.75% | 3.16% | 0.15% | 51,908 |
| Q4 2025 | $1.45B | $1.10B | $711.5M | $167.3M | $16.7M | 1.15% | 3.28% | 0.17% | 51,658 |
| Q3 2025 | $1.44B | $1.10B | $683.7M | $162.7M | $12.1M | 1.12% | 3.21% | 0.27% | 51,478 |
| Q2 2025 | $1.44B | $1.11B | $620.9M | $157.5M | $6.9M | 0.96% | 3.10% | 0.24% | 51,404 |
| Q1 2025 | $1.33B | $1.12B | $552.6M | $153.6M | $3.0M | 0.89% | 3.26% | 0.20% | 51,086 |
| Q4 2024 | $1.29B | $1.14B | $524.2M | $155.3M | $22.8M | 1.77% | 3.49% | 0.31% | 50,742 |
| Q3 2024 | $1.35B | $1.01B | $458.0M | $151.2M | $18.7M | 1.86% | 3.36% | 0.35% | 50,338 |
| Q2 2024 | $1.34B | $1.02B | $427.0M | $156.8M | $13.5M | 2.01% | 3.34% | 0.95% | 51,177 |
Loan mix (Q1 2026): real estate $459.4M · commercial $243.6M · consumer $71.3M · securities $754.2M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.71% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 6.3% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.16% | 3.32% | 40th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.3% | 73.0% | 70th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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