# SAN FRANCISCO FIRE
San Francisco, CA · NCUA charter 97069 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/san-francisco-fire-97069

Who the members are: state charter, organized 1959. 72,998 members of 1,900,728 potential (3.8% of the field); checking penetration 90% (share draft accounts per 100 members); loans per 100 members 40.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.60B |
| Members | 72,998 (-9.8% YoY) |
| Full-time staff | 169 |
| Net worth | $168.4M |
| Net worth ratio | 10.5% (p45 of band) |
| ROA (annualized) | 0.24% (p12 of band) |
| Total delinquency | 0.80% (p69 of band) |
| Net charge-offs (annualized) | 0.14% (p10 of band) |
| Loans / shares | 74% (p21 of band) |
| Cash / assets | 5.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.23% (p44 of band) |
| Operating expense / assets | 3.82% (p80 of band) |
| Vehicles % of loans | 3% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 63% |
| Third-party paper % of net worth | 14% (p16 of band) |
| Vehicle delinquency | 0.38% (p26 of band) |
| Vehicle NCO | 0.51% (p19 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 64% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 18% |
| Average share balance | $10,095 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 40% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $37,285 |
| Loans granted, annualized | $200.1M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, losing money |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 2 | delinquency 2x band |  |
| 2016-12 | 1 |  | delinquency 2x band |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | thin capital, charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | delinquency rising |  |
| 2019-12 | 1 | net worth falling | delinquency rising |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 4 | losing money, margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band | losing money |
| 2020-12 | 4 | charge-offs p90 | delinquency 2x band |
| 2021-03 | 5 | delinquency 2x band, loan book shrinking | charge-offs p90 |
| 2021-06 | 3 |  | net worth falling, delinquency 2x band |
| 2021-09 | 2 |  | loan book shrinking |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency 2x band |  |
| 2022-09 | 2 | leaning on borrowings | delinquency 2x band |
| 2022-12 | 3 | net worth falling |  |
| 2023-03 | 3 | delinquency rising | net worth falling |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | delinquency rising, assets shrinking |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | thin capital |
| 2024-09 | 2 |  | leaning on borrowings |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | members leaving |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | assets shrinking |
| 2026-03 | 1 |  |  |

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

- 2026-09-10 [Molly Bastian Obituary - The Press Democrat](https://news.google.com/rss/articles/CBMid0FVX3lxTE80YnJJb19HQVRDbjBpanBtVnozZG1VcjhRUGkwTmFkTnV5U2pZM29zZzd3RVhiVkNTNFp0VG5hMzRWOHlVVjA4YUxXZko5aFJHcHZTOEN2dFl4Z1BFd1hfV0VzOWV4cDFtQko1aThER1ZXNF9Qc1hj?oc=5) · The Press Democrat
- 2026-06-06 [SAN FRANCISCO MEMORIAL SERVICE ANNOUNCED - Firefighter Close Calls](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdTdfeDJTRW9EUXN1Q2stdUEtQXVfMVNOMF91cGdQdkdPeWlPSlRNa21tb3RGVDNCQjYtcGlLVlFNcGZ3MVpIY3VRNE9qeFZ1clp4M1FSQjFlZG9KODk5X2JaOW5GbEM4SS1PWUxwUzZ2cWw2M2lmVEN0djdGNWh6dFV3cmswUVdS?oc=5) · Firefighter Close Calls
- 2026-06-04 [2nd SAN FRANCISCO FIREFIGHTER DIES IN THE LINE OF DUTY-“The Desperate Search” - Firefighter Close Calls](https://news.google.com/rss/articles/CBMitAFBVV95cUxORndtOXhZUFB6OGdjZG5Na1UzampKcXloQ1gteTVSWHY1R2FmYmotU1U5V0JSUG9URXluWG9EZkN2QlZ6TzVvMkp0QWRqVmhWcW14V01sSXFzeHV4bngxYVVQQUlSWXVtZGtHUFBuVng1MHZ1TnFWbGZZSTg4Yk9BdHRjdVYxQzRQcVIwNU5IZXNQTHJwanBRQUU0MG5TcEg1UG1RajJCVVlzQ0lCOTVoMGZ0SHg?oc=5) · Firefighter Close Calls
- 2022-12-03 [S.F. fire station decorating contest returns bigger than ever - San Francisco Chronicle](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZUd5eEJnNExkX1ZRU3N2MFFTX3dUeVZTZVA0WDYwY0tnZF83TjloR3FZN0p6RDk0OVltSE9kQmxLSWlaYllQZVM1X0ZObHREUG50VlFURnFtVVJaQ2hNUVZwdnUxSV8wT2tMc05oSWR1YTZyVUJLNE5jdHlIeGhxRzE3bTF0TVh2ZlVN?oc=5) · San Francisco Chronicle
- 2021-10-17 [Vincent Perez Obituary (2011) - San Francisco, CA - San Francisco Chronicle - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPblFPdmhBdzRGVkxOVFZuaGQ1M1loREZtSjFCa24xdThTbGpNdVpvaExwMURLUGQzb2hNTWRVZDZpRWM2Zk4tR3FaYjN5RF9Kb3FLcy1wcnNnVlNRNFB2Vk1ocUZPOHlRdjVtMFhOYTIySDRFWHNWQVRCLTFjOEJrYWRTTk9uZmFaMzZr?oc=5) · legacy.com
- 2018-12-13 [Multiple Emailed Bomb Threats Across Bay Area, Nation Appear To Be Hoax - CBS News](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdHJ5Q1gwQk5QcmptTUR3NGtlaGVUYkFtZkQ1dmpwTWJiVldCMXVSdld0ZXNxMWwtREtWNnY4Q0xsNVNnalYxeVc5MjNvSUJ5Nm5ic1BQdnEybUlfemhqY0hiYmxSN1FzeEVVNFk0Mll1N3dNOFFYTnlVTUVIMnBHWUQxM2Z6NDJYb2ZMQ3FzMDhYVFpCTzNyaDFrZ3hpWXM?oc=5) · CBS News
- 2011-06-09 [Healdsburg firefighters to attend SF funeral - Patch](https://news.google.com/rss/articles/CBMijAFBVV95cUxNd3ZvNWZkT0NsSVpYNzUyQzlzT0JleEZqTjhzakZnRFJqOTlYb2M2bTFnRWRnTU9WanVJQjVjU1pRUTZ2clM4QVQzMU9GRHRyTXU1TWlGT1VqRHg3R0Q5U0t6WENHSjhJa2JiTmJDRXZDVWV1NnhMMWZJenV3UE5EbkdUQjllaWt0elZGTA?oc=5) · Patch
- 2020-12-22 [Where to see San Francisco fire stations' holiday decorations - San Francisco Chronicle](https://news.google.com/rss/articles/CBMiaEFVX3lxTE01LWlDUDFWMnY0d0p6SVNxbFdjbmpjeHd5ZEpZdUdJWS1ORi1pMS1fTkFIVERjX3c3VlZManRXeldJa2VNNWhpMW42bVNHTnlReG8wWFd3TWNpRHBEdm85bS04Y0Vhdzky?oc=5) · San Francisco Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97069 (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/45.json (key "97069", 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=97069
- 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.

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