BlastPoint's Credit Union Scorecard
SAN FRANCISCO LEE
Charter #16547 · CA
SAN FRANCISCO LEE has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 8.54% above tier (higher cost structure)
- - Member decline: -9.7% YoY
- - First Mortgage Concentration (%): Bottom 0.6% in tier
- - Fee Income Per Member: Bottom 5.1% in tier
- - Member Growth Rate: Bottom 6.4% in tier
- - Net Interest Margin (NIM): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
532
-9.7% YoY-1.3% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$10.7M
+0.8% YoY-1.1% QoQ
|
$-19.4M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$2.0M
-5.9% YoY-1.6% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$5.0M
-0.2% YoY-2.3% QoQ
|
$-20.7M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
0.0%
-98.9% YoY-98.5% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
2.5%
-41.4% YoY-25.1% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio |
99.2%
+82.1% YoY+67.5% QoQ
|
+8.5% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
39.7%
-5.7% YoY+0.7% QoQ
|
-18.8% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$13,240
+8.6% YoY-0.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 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)