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
Call Report peers
San Francisco Lee in the assets neighbourhood
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San Francisco Lee vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); San Francisco Lee sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in California, San Diego Firefighters (#159) scores 81/100, 1 point higher; one place down, CALCOM (#161) ties at 80/100.
Quarter path for San Francisco Lee
San Francisco Lee: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.1% from $10.9M (2025Q4) to $10.7M (2026Q1).
- Net-worth ratio shifted +0.58 pp (52.50% → 53.08%).
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
San Francisco Lee gives up 20 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is San Francisco Lee financially healthy?
On its 2025Q4 NCUA 5300 filing, San Francisco Lee scores 80/100 (Excellent), with a 53.08% net worth ratio and 0.00% of loans delinquent. It ranks #2,670 of 4,374 nationally on health and #160 of 243 in California.
How does San Francisco Lee compare to other credit unions?
San Francisco Lee scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (53.08% vs 14.86%). Its widest shortfall is loan-to-share ratio (39.40% vs 59.80%).
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?
San Francisco Lee is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.