San Francisco
San Francisco, CA · Charter 24542 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
$1.6BAssets
$827.0MLoans
$1.2BShares
$216.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 97% of credit unions $1B-$10B in assets (rank 13 of 435).
- Widest gap: net interest margin trails 72% of credit unions $1B-$10B in assets (rank 312 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.12%
Rank 111 of 435
Net Interest Margin
3.06%
Rank 312 of 435
Efficiency Ratio
70.26%
Rank 196 of 435
Equity / Assets
13.29%
Rank 78 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.55% | 0.81% | 1.14% | Beats 74% | 111 / 435 | |
| Return on Equity | 8.46% | 5.12% | 7.41% | 9.70% | Beats 63% | 160 / 435 | |
| Net Interest Margin | 3.06% | 3.01% | 3.39% | 3.75% | Beats 28% | 312 / 435 | |
| Efficiency Ratio | 70.26% | 65.25% | 71.39% | 77.86% | Beats 55% | 196 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.45% | 0.69% | 1.05% | Beats 97% | 13 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.29% | 9.81% | 10.84% | 12.63% | Beats 82% | 78 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.29% | 9.81% | 10.84% | 12.63% | Beats 82% | 78 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 69.14% | 78.33% | 88.38% | 95.61% | 13th pctl | 380 / 435 | |
| Loans / Assets | 50.80% | 67.69% | 74.58% | 80.80% | 7th pctl | 406 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |