BlastPoint's Credit Union Scorecard

SAN FRANCISCO FIRE

Charter #97069 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

SAN FRANCISCO FIRE has 4 strengths but faces 8 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 11.6% in tier
+ Wallet Share Momentum: Top 11.6% in tier
+ Net Charge-Off Rate: Top 9.5% in tier
+ Share Certificate Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 1.8% in tier
- Institutional Decline: Bottom 56.7% in tier
- Stagnation Risk: Bottom 97.9% in tier
- Membership Headwinds: Bottom 97.9% in tier
- ROA 0.48% below tier average
- Efficiency ratio 21.44% above tier (higher cost structure)
- Member decline: -9.8% YoY
- Member Growth Rate: Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	72,998 -9.8% YoY+0.7% QoQ	-23.1K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	32%
Assets	$1.6B -2.0% YoY-0.5% QoQ	$-115.6M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	54%
Loans	$1.1B -0.7% YoY+1.8% QoQ	$-138.7M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	47%
Deposits	$1.5B -3.0% YoY-0.0% QoQ	$-11.5M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	58%

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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	0.2% +41.2% YoY-53.5% QoQ	-0.5%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 12.4% in tier
NIM	3.2% +9.8% YoY+3.7% QoQ	-0.1%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	96.1% +7.2% YoY+16.3% QoQ	+21.4%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 1.6% in tier
Delinquency Rate	0.8% -3.1% YoY+0.6% QoQ	+0.0	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	68%
Loan To Share	73.9% +2.4% YoY+1.8% QoQ	-9.3%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	22%
AMR	$34,645 +8.6% YoY+0.0% QoQ	+$5K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	81%
CD Concentration	17.5% -18.4% YoY-4.1% QoQ	-11.3%	28.8%	21.6%	19.8%	Bottom 8.9% in tier
Indirect Auto %	2.0% -25.5% YoY-6.8% QoQ	-16.1%	18.1%	9.0%	7.7%	20%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#16 of 64 • Top 11.6% 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): 8.62%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $6.8K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | New qualifier

Wallet Share Momentum

growth

#44 of 125 • Top 11.6% in tier

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

Why This Signature

AMR Growth (YoY): 8.62%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#7 of 91 • Bottom 97.9% 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): -9.78%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.68%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.80%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#9 of 91 • Bottom 97.9% in tier

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

Why This Signature

Member Growth (YoY): -9.78%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Efficiency Drag

risk

#16 of 100 • Bottom 1.8% in tier

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

Why This Signature

Efficiency Ratio: 96.07%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -9.78%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

Institutional Decline

decline

#13 of 31 • Bottom 56.7% in tier

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

Why This Signature

Total Assets: $1.60B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -9.78%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.68%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

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 306 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.51%

#30 of 306 Top 9.5% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 17.50%

Peer Median: 27.93%

#30 of 306 Top 9.5% in 1B-3B tier

AMR Growth Rate

growth

Value: 8.62%

Peer Median: 3.15%

#37 of 306 Top 11.8% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,645

Peer Median: $28,178

#57 of 306 Top 18.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 431.941

Peer Median: 345.077

#57 of 306 Top 18.3% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.99%

Peer Median: 13.86%

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (8 metrics)

302

Efficiency Ratio

profitability

Value: 96.07%

Peer Median: 75.16%

#302 of 306 Bottom 1.6% in 1B-3B tier

299

Member Growth Rate

growth

Value: -9.78%

Peer Median: 2.03%

#299 of 306 Bottom 2.6% in 1B-3B tier

290

Deposit Growth Rate

growth

Value: -2.97%

Peer Median: 4.44%

#290 of 306 Bottom 5.6% in 1B-3B tier

290

First Mortgage Concentration (%)

balance_sheet

Value: 59.83%

Peer Median: 33.05%

#290 of 306 Bottom 5.6% in 1B-3B tier

286

Asset Growth Rate

growth

Value: -1.96%

Peer Median: 4.82%

#286 of 306 Bottom 6.9% in 1B-3B tier

268

Return on Assets (ROA)

profitability

Value: 0.24%

Peer Median: 0.66%

#268 of 306 Bottom 12.7% in 1B-3B tier

261

Loan Growth Rate

growth

Value: -0.68%

Peer Median: 5.67%

#261 of 306 Bottom 15.0% in 1B-3B tier

239

Loan-to-Share Ratio

balance_sheet

Value: 73.93%

Peer Median: 85.31%

#239 of 306 Bottom 22.2% in 1B-3B tier