SAN DIEGO FIREFIGHTERS
Charter #24110 | CA
100M-500M
(1077 CUs)
Micro
($0-$500M)
63 100M-500M in CA
SAN DIEGO FIREFIGHTERS has 9 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 1.9% in tier
- + Wallet Share Momentum: Top 12.4% in tier
- + Emerging Performer: Top 26.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Fee Income Per Member: Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 4.8% in tier
- + Asset Growth Rate: Top 7.4% in tier
- + Total Delinquency Rate (60+ days): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 18.7% in tier
- - Credit Quality Pressure: Bottom 24.8% in tier
- - Membership Headwinds: Bottom 26.4% in tier
- - Institutional Decline: Bottom 30.5% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 1.97% above tier (higher cost structure)
- - Total Members: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Net Worth Ratio: Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,519
-1.2% YoY+0.0% QoQ
|
-12.1K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.1% in tier |
| Assets |
$146.3M
+11.3% YoY+1.6% QoQ
|
$-85.0M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
29th in tier |
| Loans |
$64.4M
-2.3% YoY-0.8% QoQ
|
$-83.4M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 12.0% in tier |
| Deposits |
$134.7M
+8.8% YoY+1.2% QoQ
|
$-65.6M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
32nd in tier |
| ROA |
0.5%
+14.1% YoY+20.5% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
31st in tier |
| NIM |
1.9%
-17.1% YoY-4.5% QoQ
|
-1.7% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio |
79.2%
-2.7% YoY-0.5% QoQ
|
+2.0% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
58th in tier |
| Delinquency Rate |
0.2%
+34.8% YoY-6.6% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
47.9%
-10.2% YoY-2.0% QoQ
|
-24.8% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.5% in tier |
| AMR |
$56,578
+6.3% YoY+0.5% QoQ
|
+$32K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 1.4% in tier |
| CD Concentration |
34.5%
+27.1% YoY+5.9% QoQ
|
+10.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#54 of 1006 • Top 1.9% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
6.27%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$7.4K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#342 of 1006 • Top 12.4% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
6.27%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank improving
Emerging Performer
growth
#505 of 627 • Top 26.9% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.48%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.23%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (4)
Stagnation Risk
risk
#309 of 550 • Bottom 18.7% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.48%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.23%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$56.6K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
34.51%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#614 of 736 • Bottom 24.8% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.04% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Membership Headwinds
decline
#436 of 550 • Bottom 26.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.23%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Institutional Decline
decline
#241 of 256 • Bottom 30.5% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$146.29M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.23%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-2.31%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
15
Average Member Relationship (AMR)
engagement
Value:
$56,578
Peer Avg: $24,363
#15 of 1077
Top 1.3% in 100M-500M tier
16
Fee Income Per Member
profitability
Value:
$419.49
Peer Avg: $174.31
#16 of 1077
Top 1.4% in 100M-500M tier
53
Loan-to-Member Ratio (LMR)
engagement
Value:
$18,311
Peer Avg: $10,245
#53 of 1077
Top 4.8% in 100M-500M tier
81
Asset Growth Rate
growth
Value:
11.29%
Peer Avg: 4.70%
#81 of 1077
Top 7.4% in 100M-500M tier
97
Total Delinquency Rate (60+ days)
risk
Value:
0.17%
Peer Avg: 0.86%
#97 of 1077
Top 8.9% in 100M-500M tier
175
Deposit Growth Rate
growth
Value:
8.83%
Peer Avg: 4.69%
#175 of 1077
Top 16.2% in 100M-500M tier
268
AMR Growth Rate
growth
Value:
6.27%
Peer Avg: 3.64%
#268 of 1077
Top 24.8% in 100M-500M tier
Top Weaknesses (9 metrics)
1065
Total Members
engagement
Value:
3,519
Peer Avg: 15,628
#1065 of 1077
Bottom 1.2% in 100M-500M tier
1059
Net Interest Margin (NIM)
profitability
Value:
1.87%
Peer Avg: 3.58%
#1059 of 1077
Bottom 1.8% in 100M-500M tier
1043
Net Worth Ratio
risk
Value:
7.85%
Peer Avg: 12.15%
#1043 of 1077
Bottom 3.2% in 100M-500M tier
985
Loan-to-Share Ratio
balance_sheet
Value:
47.85%
Peer Avg: 72.70%
#985 of 1077
Bottom 8.6% in 100M-500M tier
948
Total Loans
balance_sheet
Value:
$64.44M
Peer Avg: $147.80M
#948 of 1077
Bottom 12.1% in 100M-500M tier
939
Members Per Employee (MPE)
engagement
Value:
234.600
Peer Avg: 332.881
#939 of 1077
Bottom 12.9% in 100M-500M tier
904
Share Certificate Concentration (%)
balance_sheet
Value:
34.51%
Peer Avg: 23.61%
#904 of 1077
Bottom 16.2% in 100M-500M tier
883
First Mortgage Concentration (%)
balance_sheet
Value:
46.68%
Peer Avg: 30.43%
#883 of 1077
Bottom 18.1% in 100M-500M tier
821
Loan Growth Rate
growth
Value:
-2.31%
Peer Avg: 3.45%
#821 of 1077
Bottom 23.9% in 100M-500M tier