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Not Federally Insured
888-499-3473
3201 California St
San Francisco, CA 94118-1903

San Francisco Fire Credit Union is headquartered in San Francisco and is the 37th largest credit union in the state of California. It is also the 236th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 128 employees and 50,897 members. San Francisco Fire Credit Union's savings rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 San Francisco Fire Credit Union had $4.64 million in non-current loans and owned real-estate with $75.38 million in equity and loan loss allowances on hand to cover it. This gives San Francisco Fire Credit Union a Texas Ratio of 6.15% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for San Francisco Fire Credit Union experienced no significant changes from 5.10% as of March 31, 2013 to 6.15% as of March 31, 2014, resulting in a negative change of 20.64%. This indicates that the balance sheet and financial strength for San Francisco Fire Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, San Francisco Fire Credit Union has increased its total deposits by $65.44 million, resulting in 8.08% 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

GRADE:
C-

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 $952.69 million in assets with $75.38 million in equity, resulting in a capitalization level of 7.91%, which is below average.

Institution Statistics

Overall
NCUA #97069
Year Chartered1959
Employees128
Primary Regulator
Assets and Liabilities
Assets$952.69 million
Loans$598.67 million
Deposits$874.86 million
Equity Capital$69.46 million
Loan Loss Allowance$5.93 million
Unbacked Noncurrent Loans$4.57 million
Real Estate Owned$66,000
Historic Data - March 2013
Assets$880.36 million
Equity Capital$64.77 million
Loan Loss Allowance$7.19 million
Unbacked Noncurrent Loans$4.57 million
Real Estate Owned$66,000
Profit Margin - Quarterly
Net Interest Margin0.88%
Return on Assets0.74%
Return on Equity10.19%
Interest Income$6.56 million
Rates
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San Francisco Fire Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.10%--Health Savings Account
0.50%--Holiday Savings
0.25%--Educational Savings
0.25%--IRA Savings
0.25%--Roth IRA Savings
0.25%--SEP IRA Savings
0.10%--Regular Savings

San Francisco Fire Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Money Market

San Francisco Fire Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.20%$250-5 Year CD
0.80%$250-3 Year CD
0.45%$250-2 Year CD
0.35%$100k-1 Year Jumbo CD
0.30%$250-1 Year CD
0.30%$250-18 Month Bump-Up CD
0.25%$100k-6 Month Jumbo CD
0.20%$250-6 Month CD
0.20%$100k-3 Month Jumbo CD
0.15%$250-3 Month CD

San Francisco Fire Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.20%$100-5 Year IRA
0.80%$100-3 Year IRA
0.55%$100-60 Month Variable IRA
0.45%$100-2 Year IRA
0.30%$100-1 Year IRA
0.30%$100-18 Month Bump-Up IRA
Locations


San Francisco Fire Credit Union Locations
Branch Office565 Buckingham WaySan Francisco, CA 94132
Branch Office1220 Linda Mar BlvdPacifica, CA 94044
Branch Office12 Mint PlzSan Francisco, CA 94103
Branch Office3201 California StSan Francisco, CA 94118-1903