SAN FRANCISCO FIRE
Charter #97069 · San Francisco, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.24% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 0.70% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.14% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 96.07% sits at the 95th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 51st — a 30-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 FIRE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.60B | 35th pct | 57th pct |
| Members | 72,998 | 21th pct | 51th pct |
| Net worth ratio | 10.49% | 44th pct | 62th pct |
| Return on average assets | 0.24% | 11th pct | 21th pct |
| Net interest margin | 3.22% | 42th pct | 57th pct |
| Cost of funds | 0.70% | 15th pct | 7th pct |
| Loan-to-share | 73.93% | 21th pct | 31th pct |
| Delinquency 60+ days | 0.80% | 67th pct | 54th pct |
| Net charge-off ratio | 0.14% | 10th pct | 13th pct |
| Loan growth YoY | 2.24% | 56th pct | 63th pct |
| Share growth YoY | 1.83% | 16th pct | 33th pct |
| Efficiency ratio | 96.07% | 99th pct | 95th pct |
structural peer set hash: 8c1d07437e73b81731ff49e94a536dab… (reproducible)
Closest structural peers
This is the free public view
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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.