PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Francisco Fire

San Francisco, CA · Charter 97069

NCUA · 3 branches

Q2 2026

$1.6BAssets
$1.1BLoans
$1.5BShares
$172.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.78%, up 43 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.54% of loans (+5 bps YoY).
  • Capital: net worth / assets of 10.63%, up 58 bps from a year ago.
  • Funding: loans stand at 74.82% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+14 bps YoY

Efficiency Ratio (YTD, annualized)

82.62%-334 bps YoY

Net Worth / Assets

10.63%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.50%0.17%0.34%0.48%0.51%0.24%0.78%+43 bps
Return on Equity4.55%5.05%1.71%3.42%4.57%4.90%2.28%7.32%+390 bps
Net Interest Margin2.73%2.84%2.93%3.02%3.12%3.08%3.23%3.16%+14 bps
Efficiency Ratio81.69%80.90%89.66%85.96%83.27%82.59%96.07%82.62%-334 bps
Growth
Asset Growth (YoY)-4.65%-7.31%-5.95%-4.22%-5.38%-0.96%-1.96%0.34%+455 bps
Loan Growth (YoY)-6.23%-6.75%-6.80%-6.81%-6.12%-4.28%-0.68%2.72%+954 bps
Share Growth (YoY)1.67%4.97%4.83%2.81%-2.63%-2.87%-2.97%-0.38%-319 bps
Asset Quality
Delinquent Loans / Loans1.06%0.82%0.83%0.50%0.77%0.80%0.80%0.54%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.47%9.89%9.88%10.05%10.42%10.38%10.50%10.63%+58 bps
Net Worth / Assets9.47%9.89%9.88%10.05%10.42%10.38%10.50%10.63%+58 bps
Liquidity & Funding
Loans / Shares76.38%73.68%72.23%72.55%73.64%72.61%73.93%74.82%+226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps