# SAN FRANCISCO LEE
SAN FRANCISCO, CA · NCUA charter 16547 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/san-francisco-lee-16547

Who the members are: federal charter, associational, organized 1964, low-income designated, minority depository institution. 532 members of 1,500 potential (35.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 2.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.7M |
| Members | 532 (-9.7% YoY) |
| Full-time staff | 0 |
| Net worth | $5.7M |
| Net worth ratio | 53.1% (p99 of band) |
| ROA (annualized) | 0.02% (p25 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 40% (p25 of band) |
| Cash / assets | 80.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.51% (p9 of band) |
| Operating expense / assets | 2.49% (p19 of band) |
| Vehicles % of loans | 3% (p6 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 97% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 0% |
| Average share balance | $8,518 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 2% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $200,113 |
| Loans granted, annualized | $0 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | members leaving, loan book shrinking |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | loan book shrinking |
| 2017-12 | 3 | net worth falling |  |
| 2018-03 | 2 |  | net worth falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 0 |  | members leaving, delinquency rising |
| 2018-12 | 1 | members leaving |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | assets shrinking |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 0 |  | members leaving, assets shrinking |
| 2020-03 | 2 | delinquency rising, members leaving |  |
| 2020-06 | 0 |  | delinquency rising, members leaving |
| 2020-09 | 1 | loan book shrinking |  |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 5 | delinquency rising, assets shrinking |  |
| 2021-09 | 4 |  | members leaving |
| 2021-12 | 2 |  | delinquency rising, assets shrinking |
| 2022-03 | 2 | assets shrinking, members leaving | loan book shrinking, margin squeeze |
| 2022-06 | 0 |  | assets shrinking, members leaving |
| 2022-09 | 2 | net worth falling, members leaving |  |
| 2022-12 | 1 |  | net worth falling |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | members leaving |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | members leaving |  |
| 2024-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2024-12 | 0 |  | members leaving, delinquency 2x band, delinquency rising |
| 2025-03 | 1 | assets shrinking |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 | margin squeeze | assets shrinking |
| 2025-12 | 1 | members leaving | margin squeeze |
| 2026-03 | 2 | margin squeeze |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-03-31 [Profiles in Courage: Celebrating AAPI Labor Activists - AFL-CIO](https://news.google.com/rss/articles/CBMihAFBVV95cUxQRHhrM0cydEtWek1iLVNjak9KLWFMdWZVZi1fd0ZJZUVlbDNCNldiSmhsTVJEZFhLLWVieU9NZG1STGx2Z1U4bFZ6cnN1QnNHdFh3aHVVUzdCY1BVTHRwbm52ekI1VWFJNjlqUDBNNkdSRG1aTmV3TDdqVWdkTU52TkFVblg?oc=5) · AFL-CIO
- 2026-06-11 [Lee Jung-hoo Extends Hitting Streak to 18 Games in Comeback Win - Seoul Economic Daily](https://news.google.com/rss/articles/CBMiogFBVV95cUxPeW5ld2xkOTFrRndITHdxSHYzc2lSTFVFclVNa09OZUVEMm9icGVsSE5DWmp0RHVwTEU5RldWNHlnMXlFSmhsTEdpMlZRblQ1WnJ0ajY5U0ZvRVgzM3FSUS1UWEFzN2RvYnZMeWZBQVllRklPRnYxM1Qxdl93cUswU1VYQ3JqeXhodC00bUtBWklVc044c0owS1pncEwyOXdzYmc?oc=5) · Seoul Economic Daily
- 2018-05-03 [7 Labor Activists You Should Know About for Asian Pacific American Heritage Month - AFL-CIO](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQWkd4TXZkczRTeThmNjRpWWdxS2Z6di1tN09FM1VnOC04Y19MSlJHQTkzX3VQd1NDZEExcTFMMlBLbjdGUTZxWWFuSHdkcXMtT0F2M3VpR0VYaVNydkI1d21nT05YTVRYLUoxQ29RQzNmaUFiQ1pWN05SZVotSll1elVZLVZSV2Y4Y0hDbC1sOGE4VjdZRXBCZkoxZWtIQjEybDNhdjFoVmM?oc=5) · AFL-CIO

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=16547 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/35.json (key "16547", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=16547
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide