Nonprofit · EIN 94-1209440
SAN FRANCISCO FIRE CREDIT UNION
Tax-exempt · SAN FRANCISCO, CA 94118
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $78,185,386 | $70,046,277 | $8,139,109 | $1,628,559,043 | $1,525,601,616 | $102,957,427 |
| December 31, 2023 | 990 | $76,702,935 | $67,846,746 | $8,856,189 | $1,756,924,114 | $1,666,481,201 | $90,442,913 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $61,591,497
- Investment income
- $10,431,052
- Net gain from sales of assets
- $199,811
- Other revenue
- $6,162,837
Expenses
- Grants and similar amounts paid
- $140,513
- Compensation of officers, directors and key employees
- $6,287,360
- Other salaries and wages
- $13,519,959
- Salaries, compensation and benefits (total)
- $24,501,815
- Professional fundraising fees
- $0
- Legal fees
- $110,723
- Accounting fees
- $408,966
- Occupancy
- $1,710,641
- Travel
- $418,028
- Depreciation
- $2,335,459
Balance sheet and other
- Total assets, start of year
- $1,756,924,114
- Total assets, end of year
- $1,628,559,043
- Total liabilities, end of year
- $1,525,601,616
- Net assets, end of year
- $102,957,427
- Land, buildings and equipment
- $13,159,160
- Publicly traded securities
- $358,956,986
- Gross unrelated business income
- $10,217
- Gross receipts
- $86,728,812
- Employees
- 201
- Volunteers
- 7
- Year formed
- 1951
- State of legal domicile
- CA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KATHERINE DUVALL | CEO Officer | 50 | $942,577 | $38,102 |
| ROBERT KASSAB | CHIEF FINANCIAL OFFICER Officer | 50 | $467,543 | $43,799 |
| ANTHONY VITALE | CHIEF INFORMATION OFFICER Officer | 50 | $372,354 | $40,565 |
| ERICK WELCH | CHIEF EXPERIENCE OFFICER Officer | 50 | $326,375 | $27,968 |
| BRYDEN CAIRNEY | CHIEF LENDING OFFICER Officer | 50 | $316,692 | $32,523 |
| IICHOO CHEW | CHIEF MARKETING OFFICER Officer | 50 | $343,414 | $2,316 |
| DAWN CHUTE | CHIEF PEOPLE OFFICER Officer | 50 | $279,360 | $32,361 |
| NAS BIRMINGHAM | VP DIGITAL EXPERIENCE Key employee | 40 | $239,263 | $25,589 |
| CAROL FRIEND | DIRECTOR OF LENDING OPEART Key employee | 40 | $230,224 | $20,393 |
| JOHN BASALLA | CHIEF RISK OFFICER Officer | 50 | $229,236 | $10,778 |
| SARAH SCHAFER | VP INTEGRATED MARKETING Key employee | 40 | $220,780 | $15,696 |
| DENNIS BARNES | AVP IT SERVICE DELIVERY Key employee | 40 | $219,484 | $11,267 |
| THU NGUYEN | VP CONTROLLER Key employee | 40 | $218,093 | $9,482 |
| ALEXANDR KONONOVICH | VP DATA AND ANAYLTICS Key employee | 40 | $207,472 | $8,302 |
| WHITNEY HAYES | DIRECTOR HEAD OF BUS DEV & Key employee | 40 | $193,052 | $18,597 |
18 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| EMILY BOROWSKI | VP COMPLIANCE Key employee | 40 | $156,760 | $43,906 |
| ELIZABETH RIGNEY | AVP GROWTH & RETENTION Highest-paid employee | 40 | $147,946 | $49,902 |
| MECHELL KEITH | AVP PMO Key employee | 40 | $174,765 | $22,860 |
| DEANNE MIRANDA | VP CONSUMER LENDING Key employee | 40 | $170,170 | $23,329 |
| NEEKO CHAU | AVP FINANCIAL PLANNING Key employee | 40 | $171,618 | $21,804 |
| MIRABEL ZAMORA | VP REAL ESTATE LENDING OPE Key employee | 40 | $166,403 | $15,601 |
| OLIVIA ROTHSCHILD | MARKETING MANAGER Highest-paid employee | 40 | $158,689 | $20,471 |
| THOMAS HUGHES | MANAGER OF APPLICATIONS DE Highest-paid employee | 40 | $155,411 | $22,667 |
| MANUELA FRANCO | AVP OPERATIONS Key employee | 40 | $167,294 | $9,193 |
| DERRICK LIANG | GROWTH MARKETING MANAGER Highest-paid employee | 40 | $157,570 | $12,998 |
| MAX EDWARDS | AVP MEMBER SERVICES Highest-paid employee | 40 | $147,664 | $19,241 |
| BROOK BAKER | CHAIPERSON Trustee or director | 4 | $0 | $0 |
| ROBERT OLSON | VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| KIM WEISS | SECRETARY Trustee or director | 2 | $0 | $0 |
| ETTORE LEALE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ROBERT CAPPA | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ANTHONY DILUZIO | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ANTHONY RIVERA | DIRECTOR (EFFECTIVE FROM M Trustee or director | 2 | $0 | $0 |
990 for the year ended December 31, 2023: 33 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KATHERINE DUVALL | CEO Officer | 50 | $919,705 | $1,543,456 |
| ROBERT KASSAB | CHIEF FINANCIAL OFFICER Officer | 50 | $385,002 | $51,158 |
| ANTHONY VITALE | CHIEF INFORMATION OFFICER Officer | 50 | $373,206 | $39,158 |
| IICHOO CHEW | CHIEF MARKETING OFFICER Officer | 50 | $331,849 | $3,694 |
| BRYDEN CAIRNEY | CHIEF LENDING OFFICER Officer | 50 | $314,762 | $20,491 |
| ERICK WELCH | CHIEF EXPERIENCE OFFICER Officer | 50 | $297,188 | $21,230 |
| DAWN CHUTE | CHIEF PEOPLE OFFICER Officer | 50 | $269,555 | $39,143 |
| JOHN MIX | VP COMMERCIAL LENDING Key employee | 40 | $255,721 | $35,370 |
| NAS BIRMINGHAM | VP DIGITAL EXPERIENCE Key employee | 40 | $214,316 | $34,080 |
| JOHN BASALLA | CHIEF RISK OFFICER Officer | 40 | $219,899 | $24,350 |
| CAROL FRIEND | DIRECTOR OF LENDING OPEARTIONS & ADMIN Key employee | 40 | $221,388 | $22,855 |
| THU NGUYEN | VP CONTROLLER Officer | 40 | $203,876 | $21,382 |
| SARAH SCHAFER | VP INTEGRATED MARKETING Key employee | 40 | $208,190 | $15,894 |
| DENNIS BARNES | AVP IT SERVICE DELIVERY Key employee | 40 | $210,126 | $10,149 |
| NEIL CONROY | VP OPERATIONS & MEMBER EXPERIENCE Key employee | 40 | $188,801 | $17,439 |
| EMILY BOROWSKI | VP COMPLIANCE Key employee | 40 | $165,931 | $27,372 |
| MECHELL KEITH | AVP PMO Key employee | 40 | $170,357 | $20,584 |
| WHITNEY HAYES | DIRECTOR HEAD OF BUS DEV & COMM. IMPACT Key employee | 40 | $173,017 | $16,542 |
| MANUELA FRANCO | AVP OPERATIONS Key employee | 40 | $157,979 | $31,513 |
| JUAN JIMENEZ | AVP BUSINESS INTELLIGENCE Highest-paid employee | 40 | $145,187 | $41,386 |
| DEANNE MIRANDA | VP CONSUMER LENDING Key employee | 40 | $167,730 | $15,483 |
| NARAH SILAPHENT | SR. COMMERCIAL LOAN ADMIN Highest-paid employee | 40 | $165,051 | $15,333 |
| OLIVIA ROTHSCHILD | MARKETING MANAGER Highest-paid employee | 40 | $146,036 | $34,141 |
| MIRABEL ZAMORA | VP REAL ESTATE LENDING OPERATIONS Key employee | 40 | $161,717 | $15,894 |
| THOMAS HUGHES | MANAGER OF APPLICATIONS DEVELOPMENT Highest-paid employee | 40 | $149,066 | $26,418 |
| MAX EDWARDS | AVP MEMBER SERVICES Highest-paid employee | 40 | $143,733 | $19,586 |
| BROOK BAKER | CHAIPERSON Trustee or director | 4 | $0 | $0 |
| ROBERT OLSON | VICE CHAIRPERSON Trustee or director | 2 | $0 | $0 |
| KIM WEISS | SECRETARY Trustee or director | 2 | $0 | $0 |
| ETTORE LEALE | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ROBERT CAPPA | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ANTHONY DILUZIO | DIRECTOR Trustee or director | 2 | $0 | $0 |
| ANTHONY RIVERA | DIRECTOR (EFFECTIVE FROM MARCH 2023) Trustee or director | 2 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3201 CALIFORNIA ST, SAN FRANCISCO, CA 94118-1903
- Principal officer (990 for 2024)
- KATHERINE DUVALL, 3201 CALIFORNIA STREET, SAN FRANCISCO, CA 94118
- Signed the 990
- THU NGUYEN, VP/CONTROLLER
- Phone
- (415) 674-4800
- Website
- WWW.SFFIRECU.ORG
- Return prepared by
- DOEREN MAYHEW
California records
California keeps its own records of charities and corporations. Search them by EIN 94-1209440 or by the name SAN FRANCISCO FIRE CREDIT UNION.
- Attorney General, Registry of Charities and Fundraisers
- Registration status and filed reports (CT-TR-1, RRF-1)
- Secretary of State, bizfile Online
- Corporation status, entity number, agent for service
- Franchise Tax Board
- Entity status letter (state tax exemption, good standing)
Mission
BUILT BY SAN FRANCISCO FIREFIGHTERS AND COMMITTED TO THE FINANCIAL SAFETY AND SECURITY OF OUR COMMUNITY.
Program accomplishments
- 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.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 94-1209440
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1961
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1526: CREDIT UNIONS IN THE STATE OF CALIFORNIA
- Assets (IRS master file)
- $1,628,559,043
- Income (IRS master file)
- $86,728,812
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $78,185,386 | $70,046,277 | $1,628,559,043 | IRS |
| 990 | December 2023 | $76,702,935 | $67,846,746 | $1,756,924,114 | XML |
| 990 | December 2022 | $62,656,925 | $55,928,710 | $1,827,357,226 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 94-1209440).
Questions about SAN FRANCISCO FIRE CREDIT UNION
- What is the EIN of SAN FRANCISCO FIRE CREDIT UNION?
- The employer identification number (EIN) of SAN FRANCISCO FIRE CREDIT UNION is 94-1209440.
- Is SAN FRANCISCO FIRE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1961.
- Are donations to SAN FRANCISCO FIRE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does SAN FRANCISCO FIRE CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of SAN FRANCISCO FIRE CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did SAN FRANCISCO FIRE CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of SAN FRANCISCO FIRE CREDIT UNION?
- The 990 for the year ended December 31, 2024 names KATHERINE DUVALL.
- Who are the officers and directors of SAN FRANCISCO FIRE CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 33 people; 26 received compensation from the organization, the highest $942,577 (KATHERINE DUVALL, CEO).
- How much revenue does SAN FRANCISCO FIRE CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $78,185,386, expenses of $70,046,277 and total assets of $1,628,559,043 at year end.
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