BlastPoint's Credit Union Scorecard
SAN MATEO CITY EMPLOYEES
Charter #6326 · CA
SAN MATEO CITY EMPLOYEES has 4 strengths but faces 11 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 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 5.86% above tier (higher cost structure)
- - Delinquency rate 2.45% above tier average
- - Member decline: -3.7% YoY
- - Net Interest Margin (NIM): Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Deposit Growth Rate: Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,042
-3.7% YoY-2.4% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$33.0M
-9.2% YoY-5.1% QoQ
|
+$3.1M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
63% |
| Loans |
$5.3M
-15.4% YoY-2.7% QoQ
|
$-10.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$27.1M
-11.1% YoY-6.2% QoQ
|
+$1.7M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.2%
-200.6% YoY-301.5% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
1.3%
+102.3% YoY+7.5% QoQ
|
-2.7% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.1% in tier |
| Efficiency Ratio |
87.3%
-37.4% YoY+6.6% QoQ
|
+5.9% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
4.0%
-48.2% YoY+8.9% QoQ
|
+2.5 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 8.4% in tier |
| Loan To Share |
19.5%
-4.8% YoY+3.7% QoQ
|
-41.8% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$31,090
-8.5% YoY-3.3% QoQ
|
+$16K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 3.5% in tier |
| CD Concentration | 0.0% | -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)