BlastPoint's Credit Union Scorecard

SAN FRANCISCO FIRE

Charter #97069 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

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SAN FRANCISCO FIRE has 2 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 30.3% in tier
+ Wallet Share Momentum: Top 68.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 2.9% in tier
- Institutional Decline: Bottom 3.9% in tier
- Stagnation Risk: Bottom 5.0% in tier
- Efficiency Drag: Bottom 15.8% in tier
- ROA 0.23% below tier average
- Efficiency ratio 9.29% above tier (higher cost structure)
- Member decline: -9.9% YoY
- Member Growth Rate: Bottom 3.6% in tier
- Asset Growth Rate: Bottom 4.6% in tier
- Loan Growth Rate: Bottom 6.2% in tier
- Deposit Growth Rate: Bottom 6.6% in tier
- First Mortgage Concentration (%): Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	72,099 -9.9% YoY+0.0% QoQ	-26.6K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	29%
Assets	$1.6B -5.4% YoY-1.9% QoQ	$-137.1M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	53%
Loans	$1.1B -6.1% YoY-1.1% QoQ	$-181.6M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	44%
Deposits	$1.4B -2.6% YoY-2.6% QoQ	$-26.5M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	57%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +10.0% YoY+38.5% QoQ	-0.2%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	31%
NIM	3.1% +13.3% YoY+3.0% QoQ	-0.2%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	34%
Efficiency Ratio	83.3% +1.9% YoY-3.1% QoQ	+9.3%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 13.8% in tier
Delinquency Rate	0.8% -27.9% YoY+53.6% QoQ	-0.1	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	57%
Loan To Share	73.6% -3.6% YoY+1.5% QoQ	-11.6%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	19%
AMR	$34,388 +6.4% YoY-2.0% QoQ	+$5K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	82%
CD Concentration	18.2% -16.1% YoY-9.9% QoQ	-10.8%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Bottom 10.0% in tier
Indirect Auto %	2.3% -27.6% YoY-8.6% QoQ	-16.5%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	21%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#21 of 67 • Top 30.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.39%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $6.4K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#80 of 116 • Top 68.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.39%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#8 of 85 • Bottom 2.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -9.90%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Institutional Decline

decline

#5 of 31 • Bottom 3.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.58B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -9.90%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.12%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Stagnation Risk

risk

#13 of 85 • Bottom 5.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.90%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.12%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.77%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Efficiency Drag

risk

#53 of 96 • Bottom 15.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.27%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -9.90%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 18.17%

Peer Avg: -

#32 of 304 Top 10.2% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Avg: -

#46 of 304 Top 14.8% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,388

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 429.161

Peer Avg: -

#58 of 304 Top 18.8% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.39%

Peer Avg: -

#65 of 304 Top 21.1% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 2.28%

Peer Avg: -

#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (8 metrics)

294

Member Growth Rate

growth

Value: -9.90%

Peer Avg: -

#294 of 304 Bottom 3.6% in 1B-3B tier

291

Asset Growth Rate

growth

Value: -5.38%

Peer Avg: -

#291 of 304 Bottom 4.6% in 1B-3B tier

286

Loan Growth Rate

growth

Value: -6.12%

Peer Avg: -

#286 of 304 Bottom 6.2% in 1B-3B tier

285

Deposit Growth Rate

growth

Value: -2.63%

Peer Avg: -

#285 of 304 Bottom 6.6% in 1B-3B tier

283

First Mortgage Concentration (%)

balance_sheet

Value: 57.66%

Peer Avg: -

#283 of 304 Bottom 7.2% in 1B-3B tier

263

Efficiency Ratio

profitability

Value: 83.27%

Peer Avg: -

#263 of 304 Bottom 13.8% in 1B-3B tier

246

Loan-to-Share Ratio

balance_sheet

Value: 73.64%

Peer Avg: -

#246 of 304 Bottom 19.4% in 1B-3B tier

238

Fee Income Per Member

profitability

Value: $159.83

Peer Avg: -

#238 of 304 Bottom 22.0% in 1B-3B tier