BlastPoint's Credit Union Scorecard
SAN MATEO CITY EMPLOYEES
Charter #6326 · CA
SAN MATEO CITY EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.16% below tier average
- - Member decline: -3.1% YoY
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Fee Income Per Member: Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Deposit Growth Rate: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 7.3% in tier
- - Net Charge-Off Rate: Bottom 8.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -10.3% year over year ($25.9M in shares and deposits).
- Membership: 1,035 members, -3.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.34%.
- Efficiency ratio 74.18% vs a 88.77% peer average.
- Loan-to-share ratio 18.20% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,035
-3.1% YoY-1.1% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$31.8M
-8.4% YoY-4.5% QoQ
|
+$1.5M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
61% |
| Loans |
$4.7M
-13.0% YoY-5.2% QoQ
|
$-10.7M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$25.9M
-10.3% YoY-5.6% QoQ
|
+$120K |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.3%
-371.6% YoY+77.2% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
1.6%
+32.4% YoY+8.6% QoQ
|
-2.3% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
74.2%
-9.4% YoY-10.1% QoQ
|
-14.6% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
18.2%
-3.1% YoY+0.5% QoQ
|
-40.7% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.3% in tier |
| AMR |
$29,605
-7.9% YoY-4.5% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 4.8% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 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)