San Francisco Fire Credit Union
501(c)(14)
Strong reserves Growing revenue
San Francisco Fire Credit Union is a 501(c)(14) organization based in San Francisco, California, registered in 1961, with $78,185,386 in FY2024 revenue.
3201 California St, San Francisco, CA, 94118 EIN 94-1209440 Since 1961
Revenue (FY2024)
$78.2M
▲ 1.9% vs prior year
Expenses (FY2024)
$70.0M
Net assets
$103.0M
Employees
201
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A
★★★★
Rated on 3 of 4 criteria — the rest aren't reported in this filing type.
Capped at A — the top grade requires the fuller disclosure of a complete Form 990.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for San Francisco Fire Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating18 mo reserves · +10% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For San Francisco Fire Credit Union: 18 mo reserves · +10% margin earns a A on this criterion. See the exact thresholds →
A+Governance25% of the rating6 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For San Francisco Fire Credit Union: 6 of 6 checks met earns a A+ on this criterion. See the exact thresholds →
A+Transparency10% of the rating5 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For San Francisco Fire Credit Union: 5 of 5 disclosure signals earns a A+ on this criterion. See the exact thresholds →
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A live seal — it updates automatically when the grade changes and links donors to this verified profile.
Mission
Built by san francisco firefighters and committed to the financial safety and security of our community.
What they do
Vehicle lending: the vehicle lending program offers significant benefits to both credit union members and the regional communities within the designated field of membership, which encompasses san francisco, san mateo, and marin county. through direct and indirect vehicle lending channels, the credit union facilitates the origination of new and pre-owned vehicle loans. it ensures a secure, efficient, and reliable loan process while offering affordable interest rates and favorable terms.
Credit cards/solar/student loans: the consumer loan program benefits credit union members and the regional communities located within the credit union's field of membership including san francisco, san mateo, and marin county. the credit union offers competitive credit card interest rate, reward points and loan terms. the credit union assists students by providing them with financing services to help them reach their educational goals. the credit union provides solar financing to members and non-members to acquire and install home solar systems to assist homeowners with their solar needs, providing competitive interest rates and terms.
Contact & location
- Address
- 3201 California St, San Francisco, CA, 94118
- City
- San Francisco
- State
- California
- Category
- —
- Subcategory
- —
- Phone
- …
- Website
- …
Financial trends
Revenue grew from $35.0M (FY2013) to $78.2M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $1.5BNet assets $103.0M
Operating margin
10.4%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$1.6B
Total liabilities
$1.5B
Net assets
$103.0M
Salaries & benefits
$24.5M
35% of expenses
Board members
7
7 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $78,185,386▲1.9% | $70,046,277▲3.2% | $102,957,427▲13.8% | $1,628,559,043▼7.3% | 990 |
| 2023 | $76,702,935▲22.4% | $67,846,746▲21.3% | $90,442,913▲19.6% | $1,756,924,114▼3.9% | 990 |
| 2022 | $62,656,925▲13.1% | $55,928,710▲14.2% | $75,642,897▼41.4% | $1,827,357,226▲5.4% | 990 |
| 2021 | $55,402,558▼12.5% | $48,956,993▼19.2% | $129,090,661▼3.1% | $1,733,829,261▲4.9% | 990 |
| 2020 | $63,325,147▼1.9% | $60,616,228▲9.3% | $133,180,804▲3.9% | $1,652,125,521▲18.3% | 990 |
| 2019 | $64,551,427▲8.1% | $55,476,916▲14.5% | $128,123,182▲10.6% | $1,396,330,281▲4.7% | 990 |
| 2018 | $59,732,979▲15.8% | $48,446,943▲13.2% | $115,895,383▲9.0% | $1,333,085,887▲1.9% | 990 |
| 2017 | $51,565,264▲10.7% | $42,796,975▲14.0% | $106,301,169▲7.8% | $1,307,761,991▲7.3% | 990 |
| 2016 | $46,571,960▲8.7% | $37,556,457▲17.3% | $98,577,213▲10.1% | $1,218,989,060▲8.4% | 990 |
| 2015 | $42,838,919▲17.2% | $32,008,710▲17.6% | $89,508,214▲13.4% | $1,124,846,794▲9.7% | 990 |
| 2014 | $36,564,121▲4.6% | $27,215,696▲3.0% | $78,947,525▲18.3% | $1,025,799,783▲11.9% | 990 |
| 2013 | $34,966,859 | $26,423,272▲3.9% | $66,742,172▲11.6% | $916,777,954▲9.1% | 990 |
| 2012 | — | $25,422,587▼1.4% | $59,824,771▲14.2% | $840,653,272▲13.4% | 990 |
| 2011 | — | $25,772,664▼4.6% | $52,396,202▲6.5% | $741,029,796▲9.5% | 990 |
| 2010 | — | $27,012,441 | $49,203,083 | $676,432,188 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Katherine Duvall — $942,577 (1.35% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Katherine Duvall | Ceo | 50 | $942,577 |
| Robert Kassab | Chief Financial Officer | 50 | $467,543 |
| Anthony Vitale | Chief Information Officer | 50 | $372,354 |
| Iichoo Chew | Chief Marketing Officer | 50 | $343,414 |
| Erick Welch | Chief Experience Officer | 50 | $326,375 |
| Bryden Cairney | Chief Lending Officer | 50 | $316,692 |
| Dawn Chute | Chief People Officer | 50 | $279,360 |
| Nas Birmingham | Vp Digital Experience | 40 | $239,263 |
| Carol Friend | Director of Lending Opeart | 40 | $230,224 |
| John Basalla | Chief Risk Officer | 50 | $229,236 |
| Sarah Schafer | Vp Integrated Marketing | 40 | $220,780 |
| Dennis Barnes | Avp It Service Delivery | 40 | $219,484 |
| Thu Nguyen | Vp Controller | 40 | $218,093 |
| Alexandr Kononovich | Vp Data and Anayltics | 40 | $207,472 |
| Whitney Hayes | Director Head of Bus Dev & | 40 | $193,052 |
| Mechell Keith | Avp Pmo | 40 | $174,765 |
| Neeko Chau | Avp Financial Planning | 40 | $171,618 |
| Deanne Miranda | Vp Consumer Lending | 40 | $170,170 |
| Manuela Franco | Avp Operations | 40 | $167,294 |
| Mirabel Zamora | Vp Real Estate Lending Ope | 40 | $166,403 |
Top vendors & contractors (FY2024)
| Contractor | Services | Paid |
|---|---|---|
| Xterra Solutions Inc | Software and Consulting | $1,666,763 |
| Dbsi Inc | Design-build and Space Planning Service | $1,313,815 |
| Visa USA Inc | Credit Card/debit Card Services | $1,307,728 |
| Alkami Technology Inc | Online Banking | $1,231,610 |
| Co-op Financial Services | Credit/debit/atm/digital Payment Service | $1,160,326 |
Grants made · $118K in FY2024
4 grants totaling $118K in FY2024. All grants made by San Francisco Fire Credit Union →
| Recipient | Purpose | Amount |
|---|---|---|
| Kqed Inc | Charitable contribution to tv sip&taste sponsorship/kqed cares | $74,990 |
| San Francisco Firefighters Cancer Prevention Foundation | Charitable contribution to firefighter cancer prevention to help ignite hope gala | $28,000 |
| Mission Art 415 Inc | Charitable contribution for firefighter mural creation at 897 ellis /jones st | $10,000 |
| San Francisco Fire Fighters Toy Program | Includes toy program doll and ball donations and golf tournament sponsorship | $5,023 |
Frequently asked questions
- Is San Francisco Fire Credit Union a legitimate nonprofit?
- Yes. San Francisco Fire Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 94-1209440, based in San Francisco, California.
- What is San Francisco Fire Credit Union's EIN?
- San Francisco Fire Credit Union's Employer Identification Number (EIN) is 94-1209440.
- How much revenue does San Francisco Fire Credit Union report?
- San Francisco Fire Credit Union reported $78,185,386 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- How much does San Francisco Fire Credit Union's highest-paid employee make?
- The highest reported compensation on San Francisco Fire Credit Union's latest Form 990 is $942,577, paid to Katherine Duvall (Ceo).
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Data for San Francisco Fire Credit Union (EIN 94-1209440) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.