BlastPoint's Credit Union Scorecard

SAN FRANCISCO FIRE

Charter #97069 · CA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

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 26.6% in tier
+ Wallet Share Momentum: Top 60.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 8.3% in tier
- Membership Headwinds: Bottom 13.1% in tier
- Institutional Decline: Bottom 17.2% in tier
- Efficiency Drag: Bottom 55.1% in tier
- ROA 0.17% below tier average
- Efficiency ratio 8.54% above tier (higher cost structure)
- Member decline: -9.8% YoY
- Member Growth Rate: Bottom 4.6% in tier
- Deposit Growth Rate: Bottom 6.3% in tier
- First Mortgage Concentration (%): Bottom 7.0% in tier
- Loan Growth Rate: Bottom 7.3% in tier
- Asset Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	72,460 -9.8% YoY+0.5% QoQ	-25.0K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	31%
Assets	$1.6B -1.0% YoY+1.9% QoQ	$-110.5M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	54%
Loans	$1.1B -4.3% YoY+0.4% QoQ	$-178.5M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	43%
Deposits	$1.5B -2.9% YoY+1.8% QoQ	$-5.1M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	58%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +4.1% YoY+8.7% QoQ	-0.2%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	32%
NIM	3.1% +11.0% YoY+0.8% QoQ	-0.2%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	34%
Efficiency Ratio	82.6% +2.1% YoY-0.8% QoQ	+8.5%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 14.2% in tier
Delinquency Rate	0.8% -2.5% YoY+4.1% QoQ	-0.1	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	53%
Loan To Share	72.6% -1.5% YoY-1.4% QoQ	-12.2%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	18%
AMR	$34,642 +7.1% YoY+0.7% QoQ	+$5K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	82%
CD Concentration	18.3% -17.5% YoY+0.4% QoQ	-10.8%	29.0%	21.7%	19.8%	Bottom 10.4% in tier
Indirect Auto %	2.1% -26.6% YoY-6.4% QoQ	-16.2%	18.3%	9.2%	7.8%	20%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#18 of 65 • Top 26.6% 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): 7.07%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $6.7K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | New qualifier

Wallet Share Momentum

growth

#75 of 123 • Top 60.7% in tier

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

Why This Signature

AMR Growth (YoY): 7.07%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#8 of 85 • Bottom 8.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.84%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.28%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.80%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#12 of 85 • Bottom 13.1% in tier

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

Why This Signature

Member Growth (YoY): -9.84%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Institutional Decline

decline

#6 of 30 • Bottom 17.2% in tier

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

Why This Signature

Total Assets: $1.61B

(Tier: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -9.84%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.28%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | New qualifier

Efficiency Drag

risk

#50 of 90 • Bottom 55.1% in tier

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

Why This Signature

Efficiency Ratio: 82.59%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -9.84%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 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 302 peers in tier

Top Strengths (6 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 18.25%

Peer Median: -

#33 of 302 Top 10.6% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.21%

Peer Median: -

#46 of 302 Top 14.9% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 436.506

Peer Median: -

#48 of 302 Top 15.6% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,642

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 7.07%

Peer Median: -

#59 of 302 Top 19.2% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 2.13%

Peer Median: -

#69 of 302 Top 22.5% in 1B-3B tier

Top Weaknesses (8 metrics)

289

Member Growth Rate

growth

Value: -9.84%

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

284

Deposit Growth Rate

growth

Value: -2.87%

Peer Median: -

#284 of 302 Bottom 6.3% in 1B-3B tier

282

First Mortgage Concentration (%)

balance_sheet

Value: 58.29%

Peer Median: -

#282 of 302 Bottom 7.0% in 1B-3B tier

281

Loan Growth Rate

growth

Value: -4.28%

Peer Median: -

#281 of 302 Bottom 7.3% in 1B-3B tier

273

Asset Growth Rate

growth

Value: -0.96%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

260

Efficiency Ratio

profitability

Value: 82.59%

Peer Median: -

#260 of 302 Bottom 14.2% in 1B-3B tier

247

Loan-to-Share Ratio

balance_sheet

Value: 72.61%

Peer Median: -

#247 of 302 Bottom 18.5% in 1B-3B tier

235

Fee Income Per Member

profitability

Value: $162.10

Peer Median: -

#235 of 302 Bottom 22.5% in 1B-3B tier