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SAN FRANCISCO FIRE CREDIT UNION

EIN 94-1209440 SAN FRANCISCO, CA

Revenue 2024
$78,185,386
Expenses 2024
$70,046,277

As filed

Subsection
14
Classification
1000
Street
3201 CALIFORNIA ST

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-6123880). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2024

Mission

BUILT BY SAN FRANCISCO FIREFIGHTERS AND COMMITTED TO THE FINANCIAL SAFETY AND SECURITY OF OUR COMMUNITY.

  • MORTGAGE LENDING: THE HOME 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. THROUGH A COMPREHENSIVE SUITE OF MORTGAGE PRODUCTS, IT SEEKS TO ADDRESS THE DIVERSE NEEDS OF ITS MEMBERS AND THE COMMUNITIES WHILE UPHOLDING PRINCIPLES OF ACCESSIBILITY AND INCLUSIVITY. THE CREDIT UNION HAS MADE HOME OWNERSHIP AFFORDABLE BY OFFERING LOW DOWN PAYMENT LOAN PROGRAMS, PARTICIPATING IN FIRST TIME HOMEBUYER PROGRAMS, AND OFFERING COMPETITIVE INTEREST RATES, LOAN FEES, AND TERMS. ADDITIONALLY, THE CREDIT UNION SUPPORTS SAN FRANCISCO FIREFIGHTERS THROUGH PROGRAMS DEVELOPED TO ASSIST THEIR FINANCIAL AND HOME OWNERSHIP NEEDS.

  • 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.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • BROOK BAKER

    CHAIPERSON

    Total calculated
    $0
    Hours/week
    4

  • ROBERT OLSON

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    2

  • KIM WEISS

    SECRETARY

    Total calculated
    $0
    Hours/week
    2

  • ETTORE LEALE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • ROBERT CAPPA

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • ANTHONY DILUZIO

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2

  • ANTHONY RIVERA

    DIRECTOR (EFFECTIVE FROM M

    Total calculated
    $0
    Hours/week
    2

  • KATHERINE DUVALL

    CEO

    Total calculated
    $980,679
    From this org
    $942,577
    From related orgs
    $0
    Other
    $38,102
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $743,293
    Bonus
    $117,430
    Other
    $81,854
    Deferred
    $13,800
    Nontaxable benefits
    $24,302
    Filer's total
    $980,679

  • ROBERT KASSAB

    CHIEF FINANCIAL OFFICER

    Total calculated
    $511,342
    From this org
    $467,543
    From related orgs
    $0
    Other
    $43,799
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $414,310
    Bonus
    $52,633
    Other
    $600
    Deferred
    $13,800
    Nontaxable benefits
    $29,999
    Filer's total
    $511,342

  • ANTHONY VITALE

    CHIEF INFORMATION OFFICER

    Total calculated
    $412,919
    From this org
    $372,354
    From related orgs
    $0
    Other
    $40,565
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $332,796
    Bonus
    $38,958
    Other
    $600
    Deferred
    $12,305
    Nontaxable benefits
    $28,260
    Filer's total
    $412,919

  • BRYDEN CAIRNEY

    CHIEF LENDING OFFICER

    Total calculated
    $349,215
    From this org
    $316,692
    From related orgs
    $0
    Other
    $32,523
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $284,043
    Bonus
    $32,049
    Other
    $600
    Deferred
    $10,046
    Nontaxable benefits
    $22,477
    Filer's total
    $349,215

  • IICHOO CHEW

    CHIEF MARKETING OFFICER

    Total calculated
    $345,730
    From this org
    $343,414
    From related orgs
    $0
    Other
    $2,316
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $304,846
    Bonus
    $35,012
    Other
    $3,556
    Deferred
    $2,316
    Nontaxable benefits
    $0
    Filer's total
    $345,730

  • ERICK WELCH

    CHIEF EXPERIENCE OFFICER

    Total calculated
    $354,343
    From this org
    $326,375
    From related orgs
    $0
    Other
    $27,968
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $291,535
    Bonus
    $32,960
    Other
    $1,880
    Deferred
    $13,028
    Nontaxable benefits
    $14,940
    Filer's total
    $354,343

  • DAWN CHUTE

    CHIEF PEOPLE OFFICER

    Total calculated
    $311,721
    From this org
    $279,360
    From related orgs
    $0
    Other
    $32,361
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $250,342
    Bonus
    $28,418
    Other
    $600
    Deferred
    $10,301
    Nontaxable benefits
    $22,060
    Filer's total
    $311,721

  • JOHN BASALLA

    CHIEF RISK OFFICER

    Total calculated
    $240,014
    From this org
    $229,236
    From related orgs
    $0
    Other
    $10,778
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $205,805
    Bonus
    $22,831
    Other
    $600
    Deferred
    $9,300
    Nontaxable benefits
    $1,478
    Filer's total
    $240,014

  • THU NGUYEN

    VP CONTROLLER

    Total calculated
    $227,575
    From this org
    $218,093
    From related orgs
    $0
    Other
    $9,482
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $202,060
    Bonus
    $15,433
    Other
    $600
    Deferred
    $8,740
    Nontaxable benefits
    $742
    Filer's total
    $227,575

  • DEANNE MIRANDA

    VP CONSUMER LENDING

    Total calculated
    $193,499
    From this org
    $170,170
    From related orgs
    $0
    Other
    $23,329
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $156,997
    Bonus
    $12,573
    Other
    $600
    Deferred
    $6,168
    Nontaxable benefits
    $17,161
    Filer's total
    $193,499

  • ALEXANDR KONONOVICH

    VP DATA AND ANAYLTICS

    Total calculated
    $215,774
    From this org
    $207,472
    From related orgs
    $0
    Other
    $8,302
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $201,964
    Bonus
    $4,308
    Other
    $1,200
    Deferred
    $8,302
    Nontaxable benefits
    $0
    Filer's total
    $215,774

  • CAROL FRIEND

    DIRECTOR OF LENDING OPEART

    Total calculated
    $250,617
    From this org
    $230,224
    From related orgs
    $0
    Other
    $20,393
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $211,309
    Bonus
    $16,586
    Other
    $2,329
    Deferred
    $9,533
    Nontaxable benefits
    $10,860
    Filer's total
    $250,617

  • DENNIS BARNES

    AVP IT SERVICE DELIVERY

    Total calculated
    $230,751
    From this org
    $219,484
    From related orgs
    $0
    Other
    $11,267
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $201,964
    Bonus
    $16,320
    Other
    $1,200
    Deferred
    $8,782
    Nontaxable benefits
    $2,485
    Filer's total
    $230,751

  • NAS BIRMINGHAM

    VP DIGITAL EXPERIENCE

    Total calculated
    $264,852
    From this org
    $239,263
    From related orgs
    $0
    Other
    $25,589
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $220,386
    Bonus
    $17,677
    Other
    $1,200
    Deferred
    $6,322
    Nontaxable benefits
    $19,267
    Filer's total
    $264,852

  • MECHELL KEITH

    AVP PMO

    Total calculated
    $197,625
    From this org
    $174,765
    From related orgs
    $0
    Other
    $22,860
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $160,671
    Bonus
    $12,894
    Other
    $1,200
    Deferred
    $7,146
    Nontaxable benefits
    $15,714
    Filer's total
    $197,625

  • WHITNEY HAYES

    DIRECTOR HEAD OF BUS DEV &

    Total calculated
    $211,649
    From this org
    $193,052
    From related orgs
    $0
    Other
    $18,597
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $178,728
    Bonus
    $13,724
    Other
    $600
    Deferred
    $6,780
    Nontaxable benefits
    $11,817
    Filer's total
    $211,649

  • EMILY BOROWSKI

    VP COMPLIANCE

    Total calculated
    $200,666
    From this org
    $156,760
    From related orgs
    $0
    Other
    $43,906
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $144,199
    Bonus
    $11,961
    Other
    $600
    Deferred
    $6,875
    Nontaxable benefits
    $37,031
    Filer's total
    $200,666

  • MANUELA FRANCO

    AVP OPERATIONS

    Total calculated
    $176,487
    From this org
    $167,294
    From related orgs
    $0
    Other
    $9,193
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $154,489
    Bonus
    $12,205
    Other
    $600
    Deferred
    $6,708
    Nontaxable benefits
    $2,485
    Filer's total
    $176,487

The first 25 listed. Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $78,185,386
    Expenses
    $70,046,277
    Contributions
    $0
    Grants paid
    $140,513
  • 2023
    Revenue
    $76,702,935
    Expenses
    $67,846,746
    Contributions
    $0
    Grants paid
    $39,456
  • 2022
    Revenue
    $62,656,925
    Expenses
    $55,928,710
    Contributions
    $0
    Grants paid
    $20,000

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $55,402,558
    Expenses
    $48,956,993
    Assets (EOY)
    $1,733,829,261

  • 2020 · 990

    Revenue
    $63,325,147
    Expenses
    $60,616,228
    Assets (EOY)
    $1,652,125,521

  • 2019 · 990

    Revenue
    $64,551,427
    Expenses
    $55,476,916
    Assets (EOY)
    $1,396,330,281

  • 2018 · 990

    Revenue
    $59,732,979
    Expenses
    $48,446,943
    Assets (EOY)
    $1,333,085,887

  • 2017 · 990

    Revenue
    $51,565,264
    Expenses
    $42,796,975
    Assets (EOY)
    $1,307,761,991

  • 2016 · 990

    Revenue
    $46,571,960
    Expenses
    $37,556,457
    Assets (EOY)
    $1,218,989,060

  • 2015 · 990

    Revenue
    $42,838,919
    Expenses
    $32,008,710
    Assets (EOY)
    $1,124,846,794

  • 2014 · 990

    Revenue
    $36,564,121
    Expenses
    $27,215,696
    Assets (EOY)
    $1,025,799,783

  • 2013 · 990

    Revenue
    $34,966,859
    Expenses
    $26,423,272
    Assets (EOY)
    $916,777,954

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $25,422,587
    Assets (EOY)
    $840,653,272

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 29 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.