BlastPoint's Credit Union Scorecard
SAN FRANCISCO LEE
Charter #16547 · CA
SAN FRANCISCO LEE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Worth Ratio: Top 0.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.3% YoY
- - First Mortgage Concentration (%): Bottom 0.7% in tier
- - Member Growth Rate: Bottom 4.4% in tier
- - Fee Income Per Member: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
539
-11.3% YoY-8.8% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$10.9M
+0.7% YoY-0.2% QoQ
|
$-19.3M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$2.0M
-6.1% YoY-1.5% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$5.2M
-1.4% YoY-0.8% QoQ
|
$-20.5M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
1.4%
-28.1% YoY-13.3% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.3%
-12.6% YoY-5.9% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
59.2%
+17.5% YoY+6.2% QoQ
|
-23.3% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 10.6% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
39.4%
-4.7% YoY-0.7% QoQ
|
-21.2% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$13,347
+9.7% YoY+8.5% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
0.0%
-100.0% YoY
|
-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)