BlastPoint's Credit Union Scorecard
SAN MATEO CITY EMPLOYEES
Charter #6326 · CA
SAN MATEO CITY EMPLOYEES has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 2.26% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - Net Interest Margin (NIM): Bottom 1.6% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 4.6% in tier
- - AMR Growth Rate: Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,044
-3.1% YoY+0.2% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$31.9M
-11.1% YoY-3.2% QoQ
|
+$1.8M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$5.1M
-12.8% YoY-3.2% QoQ
|
$-10.7M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$26.0M
-13.5% YoY-4.0% QoQ
|
+$340K |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.3%
-220.9% YoY+12.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
1.4%
+100.6% YoY+10.1% QoQ
|
-2.6% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio |
84.8%
-36.3% YoY-2.8% QoQ
|
+2.3% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
1.1%
-83.8% YoY-72.6% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
19.6%
+0.8% YoY+0.8% QoQ
|
-41.0% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.5% in tier |
| AMR |
$29,823
-10.7% YoY-4.1% QoQ
|
+$15K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 4.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)