SAN FRANCISCO FIRE

Charter #97069 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

SAN FRANCISCO FIRE has 3 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 2.5% in tier
  • + Wallet Share Momentum: Top 10.9% in tier
  • + Emerging Performer: Top 32.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 2.9% in tier
  • - Institutional Decline: Bottom 3.9% in tier
  • - Stagnation Risk: Bottom 5.0% in tier
  • - Efficiency Drag: Bottom 15.8% in tier
  • - ROA 0.23% below tier average
  • - Efficiency ratio 9.29% above tier (higher cost structure)
  • - Member decline: -9.9% YoY
  • - Member Growth Rate: Bottom 3.6% in tier
  • - Asset Growth Rate: Bottom 4.6% in tier
  • - Loan Growth Rate: Bottom 6.2% in tier
  • - Deposit Growth Rate: Bottom 6.6% in tier
  • - First Mortgage Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 72,099
-9.9% YoY+0.0% QoQ
 -26.6K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $1.6B
-5.4% YoY-1.9% QoQ
 $-137.1M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $1.1B
-6.1% YoY-1.1% QoQ
 $-181.6M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $1.4B
-2.6% YoY-2.6% QoQ
 $-26.5M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 0.5%
+10.0% YoY+38.5% QoQ
 -0.2% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 31st in tier
NIM 3.1%
+13.3% YoY+3.0% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 83.3%
+1.9% YoY-3.1% QoQ
 +9.3% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 13.8% in tier
Delinquency Rate 0.8%
-27.9% YoY+53.6% QoQ
 -0.1 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 57th in tier
Loan To Share 73.6%
-3.6% YoY+1.5% QoQ
 -11.6% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 19.1% in tier
AMR $34,388
+6.4% YoY-2.0% QoQ
 +$5K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 17.8% in tier
CD Concentration 18.2%
-16.1% YoY-9.9% QoQ
 -10.8% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 10.0% in tier
Indirect Auto % 2.3%
-27.6% YoY-8.6% QoQ
 -16.5% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 20.8% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#19 of 264 • Top 2.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 6.39%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $6.4K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#80 of 264 • Top 10.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.39%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#173 of 184 • Top 32.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.47%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -9.90%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (4)

Membership Headwinds

decline
#8 of 85 • Bottom 2.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -9.90%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Institutional Decline

decline
#5 of 31 • Bottom 3.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.58B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -9.90%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.12%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Stagnation Risk

risk
#13 of 85 • Bottom 5.0% 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: 0.47%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -9.90%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $34.4K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 18.17%
(Tier: 28.98%, National: 19.60%)
but better than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Efficiency Drag

risk
#53 of 96 • Bottom 15.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.27%
(Tier: 73.45%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -9.90%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
96 of 380 Mid-Market CUs have this signature | 624 nationally
↓ Shrinking -32 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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

32
Share Certificate Concentration (%)
balance_sheet
Value: 18.17%
Peer Avg: 28.53%
#32 of 304 Top 10.2% in 1B-3B tier
46
Net Charge-Off Rate
risk
Value: 0.21%
Peer Avg: 0.60%
#46 of 304 Top 14.8% in 1B-3B tier
54
Average Member Relationship (AMR)
engagement
Value: $34,388
Peer Avg: $29,172
#54 of 304 Top 17.4% in 1B-3B tier
58
Members Per Employee (MPE)
engagement
Value: 429.161
Peer Avg: 364.953
#58 of 304 Top 18.8% in 1B-3B tier
65
AMR Growth Rate
growth
Value: 6.39%
Peer Avg: 3.29%
#65 of 304 Top 21.1% in 1B-3B tier
70
Indirect Auto Concentration (%)
balance_sheet
Value: 2.28%
Peer Avg: 18.32%
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (8 metrics)

294
Member Growth Rate
growth
Value: -9.90%
Peer Avg: 2.20%
#294 of 304 Bottom 3.6% in 1B-3B tier
291
Asset Growth Rate
growth
Value: -5.38%
Peer Avg: 4.83%
#291 of 304 Bottom 4.6% in 1B-3B tier
286
Loan Growth Rate
growth
Value: -6.12%
Peer Avg: 5.27%
#286 of 304 Bottom 6.2% in 1B-3B tier
285
Deposit Growth Rate
growth
Value: -2.63%
Peer Avg: 5.58%
#285 of 304 Bottom 6.6% in 1B-3B tier
283
First Mortgage Concentration (%)
balance_sheet
Value: 57.66%
Peer Avg: 34.01%
#283 of 304 Bottom 7.2% in 1B-3B tier
263
Efficiency Ratio
profitability
Value: 83.27%
Peer Avg: 73.97%
#263 of 304 Bottom 13.8% in 1B-3B tier
246
Loan-to-Share Ratio
balance_sheet
Value: 73.64%
Peer Avg: 85.19%
#246 of 304 Bottom 19.4% in 1B-3B tier
238
Fee Income Per Member
profitability
Value: $159.83
Peer Avg: $210.52
#238 of 304 Bottom 22.0% in 1B-3B tier