San Francisco Fire Credit Union

San Francisco Fire Credit Union is headquartered in San Francisco and is the 38^th largest credit union in the state of California. It is also the 239^th largest credit union in the nation. It was established in 1959 and as of December of 2012, it had grown to 108 employees and 44,568 members. San Francisco Fire Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

San Francisco Fire Credit Union Routing Number: 321076506

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San Francisco Fire Credit Union IRA Rates

Data for Q4 2012

Institution Statistics SAN FRANCISCO FIRE NCUA # 97069 BankRate Report View Year Chartered 1959 Employees 108 Primary Regulator Assets and Liabilities Assets $854.68 million Loans $490.27 million Deposits $785.60 million Equity Capital $62.97 million Loan Loss Allowance $7.83 million Unbacked Noncurrent Loans $6.11 million Real Estate Owned $444,000 Historic Data - December 2011 Assets $741.03 million Equity Capital $52.40 million Loan Loss Allowance $7.33 million Unbacked Noncurrent Loans $4.33 million Real Estate Owned $1.35 million Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 1.02% Return on Equity 13.91% Interest Income $24.83 million Non-Interest Income $11.00 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 San Francisco Fire Credit Union had $6.55 million in non-current loans and owned real-estate with $70.8 million in equity and loan loss allowances on hand to cover it. This gives San Francisco Fire Credit Union a Texas Ratio of 9.26% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for San Francisco Fire Credit Union held steady from 9.49% as of December 31, 2011 to 9.26% as of December 31, 2012, resulting in a positive change of 2.48%.This indicates that the balance sheet and financial strength for San Francisco Fire Credit Union has held steady in recent periods. Deposit Growth In the past year, San Francisco Fire Credit Union has increased its total deposits by $101.15 million, resulting in 14.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth San Francisco Fire Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. San Francisco Fire Credit Union has $854.68 million in assets with $70.8 million in equity, resulting in a capitalization level of 8.28%, which is average.

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