BlastPoint's Credit Union Scorecard
SAN FRANCISCO LEE
Charter #16547 · CA
SAN FRANCISCO LEE has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.8% in tier
- + Member Growth Rate: Top 8.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 0.6% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
591
+3.9% YoY0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$10.9M
+0.4% YoY+2.0% QoQ
|
$-19.0M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$2.1M
-6.7% YoY-1.2% QoQ
|
$-13.7M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
18% |
| Deposits |
$5.2M
-2.8% YoY+3.7% QoQ
|
$-20.3M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
24% |
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| ROA |
1.6%
-41.7% YoY-18.9% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
3.6%
-17.2% YoY-10.2% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
55.8%
+50.4% YoY+9.3% QoQ
|
-25.6% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
39.7%
-4.0% YoY-4.7% QoQ
|
-21.5% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$12,296
-7.5% YoY+2.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)