Federal credit union · SAN FRANCISCO, California · NCUA charter #16547
San Francisco Lee
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $10.9M
- Total assets
- 539
- Members
- 53.1%
- Net-worth ratio
San Francisco Lee scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.9M; members 539; net-worth ratio 53.08%; health rank #2,670 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,670 of 4,374 health · 2025Q4San Francisco Lee · health 80/100 · $10.9M · 2025Q4
- RANK 80/100
- PHOTO 53.1%
- BOOK 0.00%
- CHARTER 1.89%
- NCUSIF $10.9M
- CAMELS 539
- HEALTH #2,670/4,374
- NW Morrow County
- DELQ 16547
Call Report peers
San Francisco Lee in the assets neighbourhood
San Francisco Lee's $10.9M assets sit next to Morrow County ($10.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
San Francisco Lee vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
San Francisco Lee - Share Insurance Coverage
Charter #16547's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for San Francisco Lee
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +38.22 pp (53.08% vs 14.86%).
- Loan-to-Share Ratio trails the peer set - 39.40% here, 59.80% peer average (-20.40 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
San Francisco Lee: in-state Call Report ranks
- Health composite ranks #160 of 243 among scored California credit unions.
- California assets place: #226 of 243.
- California membership ordinal: #233 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for San Francisco Lee
San Francisco Lee: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.1% from $10.9M (2025Q4) to $10.7M (2026Q1).
- Net-worth ratio shifted +0.58 pp (52.50% → 53.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
53.08% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
San Francisco Lee health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 53.08% | +38.22 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.89% | +1.19 pp |
| Member Growth | -11.35% | - |
| Loan-to-Share Ratio | 39.40% | -20.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
San Francisco Lee quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.7M | - |
| 2025Q4 | $10.9M | 539 |
| 2024Q4 | $10.8M | 608 |
| 2023Q4 | $11.1M | 593 |
Credit Union Details
- Charter Number
- 16547
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- California
- City
- SAN FRANCISCO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for San Francisco Lee.
| Office | City |
|---|---|
| CHINATOWN (Main Office) | SAN FRANCISCO, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near San Francisco Lee
Two NCUA Call Report peer sets for San Francisco Lee, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- San Francisco Lee ranks #2,670 of 4,374 nationally on financial health and #160 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Comunidad Latina is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Comunidad Latina
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is San Francisco Lee financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - San Francisco Lee's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,670 of 4,374; by total assets it ranks #3,515 of 4,374 nationally (same basis as /rankings/largest); and #226 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 53.08% net worth ratio and 0.00% delinquency rate are the key drivers.
How does San Francisco Lee compare to other credit unions?
On PlainCU's health composite, San Francisco Lee lands at 80/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join San Francisco Lee?
San Francisco Lee serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact San Francisco Lee directly for the current list of qualifying groups.
Is my money safe at San Francisco Lee?
Federal credit unions like San Francisco Lee are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. San Francisco Lee's net worth ratio of 53.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does San Francisco Lee offer compared to banks?
Credit unions like San Francisco Lee are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact San Francisco Lee directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.