SAN FRANCISCO
Charter #24542 · San Francisco, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.31% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.15% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 48th — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SAN FRANCISCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.58B | 35th pct | 54th pct |
| Members | 51,908 | 6th pct | 34th pct |
| Net worth ratio | 10.91% | 54th pct | 51th pct |
| Return on average assets | 0.79% | 56th pct | 64th pct |
| Net interest margin | 3.31% | 48th pct | 75th pct |
| Cost of funds | 1.98% | 60th pct | 74th pct |
| Loan-to-share | 65.08% | 11th pct | 31th pct |
| Delinquency 60+ days | 0.15% | 4th pct | 13th pct |
| Net charge-off ratio | 0.21% | 15th pct | 48th pct |
| Loan growth YoY | 13.71% | 97th pct | 97th pct |
| Share growth YoY | 8.53% | 89th pct | 86th pct |
| Efficiency ratio | 78.30% | 71th pct | 54th pct |
structural peer set hash: 085d757ab25ba020bd080d549a75ee73… (reproducible)
Closest structural peers
This is the free public view
Claim SAN FRANCISCO
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.