# SAN DIEGO FIREFIGHTERS
San Diego, CA · NCUA charter 24110 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/san-diego-firefighters-24110

Who the members are: federal charter, multiple common bond, organized 1984. 3,511 members of 7,500 potential (46.8% of the field); checking penetration 89% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $151.7M |
| Members | 3,511 (-0.7% YoY) |
| Full-time staff | 12 |
| Net worth | $11.5M |
| Net worth ratio | 7.6% (p2 of band) |
| ROA (annualized) | 0.47% (p35 of band) |
| Total delinquency | 0.10% (p8 of band) |
| Net charge-offs (annualized) | 0.08% (p18 of band) |
| Loans / shares | 46% (p13 of band) |
| Cash / assets | 23.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.60% (p1 of band) |
| Operating expense / assets | 2.15% (p6 of band) |
| Vehicles % of loans | 18% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.00% (p3 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 37% |
| Average share balance | $15,267 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $17.1M |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $28,563 |
| Loans granted, annualized | $8.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $17.1M outstanding purchased (148.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 6.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 | delinquency rising | net worth falling |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 2 | delinquency rising |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 4 | margin squeeze, loan book shrinking | delinquency rising |
| 2020-09 | 4 | delinquency rising | loan book shrinking |
| 2020-12 | 5 | capital below 7% | delinquency rising |
| 2021-03 | 6 | losing money |  |
| 2021-06 | 4 |  | margin squeeze, losing money |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 5 | net worth falling, delinquency rising |  |
| 2022-06 | 4 |  | net worth falling |
| 2022-09 | 2 |  | capital below 7% |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | assets shrinking, delinquency rising |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 4 | losing money, delinquency rising |  |
| 2025-06 | 2 |  | net worth falling, losing money |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1
- 2024-09-29 [3 San Diego firefighters seriously injured in crash while heading to assist in hurricane response - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMi3wFBVV95cUxNeW1lVHhad25lMnY1eU44bzczOU50RE1iYUxraHc0dkRGYnd0UllucmtGVEc0Q3l3ZVpnb1BOQzdMQW9SYXdPcnJ5VFZZZzJFZ205UE1HU01kRzRUbjU4eURjTjEzM1FmR1pTdVhqSWhFSHVfMks2TTJjZHdtdHlnLWFvM3oxYnJic3hkQnpuZ08yYW9hTWlmZ3ZkVE5lZDZ5aXZaWmprZE9rekw4TjJzQ1FyczNCdTRaNW05ekVWWmVXWkk3dTZsdFlUUTFEdllKLXQ0b01jb05BWTRCTkVr?oc=5) · San Diego Union-Tribune
- 2019-07-24 [Tappin Gorman Obituary - San Diego, CA - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxOdnZaVXpYQ0k2b3RKRXd6bTVaSG52TU84ekU5YkJHc3lRNjJKa2t1dEhkU29hb2F1cmRFa2hHallKLVlES1dXWTd5VGtWV3gtTDdhUERlazZ5T1lBX2RpcVoyRnUzbWVJeEI2dkEyaFQ0SnphektKWmVqNzlnRzRpVG4yMA?oc=5) · Dignity Memorial
- 2016-10-06 [How firefighter credit unions can increase your savings - FireRescue1](https://news.google.com/rss/articles/CBMixgFBVV95cUxNcWJELUZJN1NIQzhzMk12WXV2RVhOMTdwTzc0NW1YcEgyc1FWQ3kwZE1xTXFqSjVXdWNqWndhVFhvTV8tcUF4YnlCRTdTRC1nMDRuZS0yeF9SbThSVmtvZUctVnFRMElGNXdQYThSYlZYTzZ0eU1iQXg5djVEVGtYSFlxa1lrNzk4aXR6T2lhVk1XWEp3NWxKNWoxcC1fZENfQjR6cTNlQk1IdVlaQjMxUFNMWUFfOGprbGV4V2hxRWpTVktQNnc?oc=5) · FireRescue1
- 2026-01-09 [Wind-spread fire burns through Clairemont home, displaces 5 people - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMitAFBVV95cUxQQTRlTl9lc2d0aHpCSmR2QTZ3Wlo2bklxaGszMnNvYlNmNkQ5MlNEbnVmUlh0RVZITlRRLVdjZV9OSTV4b0gyTjRLcnlkbEJkUTJMSzlMQkR4TFVpTDNvLWw1aFZSYXdSbDVWZVNna1JKcEJZclFUMWNjZmxHMl9Cd1pwVFk5WlItcUJZX2NZaVdMd1M4al9OUDREbGhEa190QW9vYTU5c1FaRjdEV1hkT0dKa1Y?oc=5) · San Diego Union-Tribune
- 2016-08-13 [List of banks that support Apple Pay in the United States - 9to5Mac](https://news.google.com/rss/articles/CBMie0FVX3lxTE15UkVmX3k3aURqZXBKcFZCVTJuMEEzWTlLUEpQRDdTR25DQ2lPVXZGeEYycEVZcXl5RThsdlg3aUV6WHZFdWIzWDBUR2ZsT2FUcG1JWU5mbzJ3bVRUT0NjaEFFQXJaV0o1RklzdW03bzN2MXJoV3B1aFhEWQ?oc=5) · 9to5Mac
- 2026-08-16 [Firefighters gain upper hand over brush fire in Los Peñasquitos Canyon Preserve - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMinwFBVV95cUxNOTJlODlVZWZfdG54RFFRVFhsbTZleGNwWE1yZl9pV29sRFBhRHdJYnI3UkQxQWUwZHZnWWk2a2pfZmdGSmFWQ3lkM0N1c2U2RmkwWXBId2ZMdTBCMTloblNuNUk1dnJFSHpMb3E1SVQydlJabmFXRnVoakpwNXZhZmtuNlhmbjRoWUdnWWthMjZvSnlGSGpBZ1p3VVFOVE0?oc=5) · San Diego Union-Tribune
- 2016-10-03 [The best firefighter credit unions for auto financing - FireRescue1](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOb3JxS0txaTZid0JER1IyUzB4Y1FSREJsOV9NZkhqb1lLaDIxeDY1ZmRUVjNYUkNZZGVOS2Jzd2NxWDA5QnNfSEdaR2VITC12aVoteXUtTUg3RUs2YzJoWnFTTUNGNU1SZnpfQ0JfazhZTzdYWlhwMzNzVjlLT1dYdWpFblJHSzBHb2ViUm12WlVFMkJGQWdFSG9CTEZ4b1RVeWhPcDJqcW1KcTJBQ2JUSDhuR2ZxZlF3R0lVSTVSa29xWHc?oc=5) · FireRescue1

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24110 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/46.json (key "24110", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24110
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide