SAN FRANCISCO LEE
Charter #16547 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in 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
|
Bottom 16.0% in tier |
| 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
|
34th in tier |
| 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
|
Bottom 18.1% in tier |
| 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
|
Bottom 24.1% in tier |
| 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
|
Top 18.3% in tier |
| 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
|
37th in tier |
| 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
|
Bottom 18.6% in tier |
| 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
|
41st in tier |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
23
Net Worth Ratio
risk
Value:
52.20%
Peer Avg: 16.43%
#23 of 2596
Top 0.8% in <100M tier
233
Member Growth Rate
growth
Value:
3.87%
Peer Avg: 14.92%
#233 of 2596
Top 8.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
263
Efficiency Ratio
profitability
Value:
55.77%
Peer Avg: 81.39%
#263 of 2596
Top 10.1% in <100M tier
476
Return on Assets (ROA)
profitability
Value:
1.58%
Peer Avg: 0.68%
#476 of 2596
Top 18.3% in <100M tier
Top Weaknesses (7 metrics)
2582
First Mortgage Concentration (%)
balance_sheet
Value:
96.80%
Peer Avg: 14.49%
#2582 of 2596
Bottom 0.6% in <100M tier
2400
Fee Income Per Member
profitability
Value:
$0.91
Peer Avg: $182.96
#2400 of 2596
Bottom 7.6% in <100M tier
2293
AMR Growth Rate
growth
Value:
-7.48%
Peer Avg: 4.67%
#2293 of 2596
Bottom 11.7% in <100M tier
2181
Total Members
engagement
Value:
591
Peer Avg: 2,626
#2181 of 2596
Bottom 16.0% in <100M tier
2126
Total Loans
balance_sheet
Value:
$2.06M
Peer Avg: $15.77M
#2126 of 2596
Bottom 18.1% in <100M tier
2110
Loan-to-Share Ratio
balance_sheet
Value:
39.69%
Peer Avg: 61.23%
#2110 of 2596
Bottom 18.8% in <100M tier
1970
Total Deposits
balance_sheet
Value:
$5.20M
Peer Avg: $25.45M
#1970 of 2596
Bottom 24.2% in <100M tier