San Mateo City Employees Federal Credit Union

San Mateo, CA

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
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Weiss Ratings	San Mateo City Employees Federal Credit Union San Mateo, CA	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.60
Capitalization Index	10.00
Liquidity Index	7.80
Profitability Index	1.70
Stability Index	6.40

Company Info	San Mateo City Employees Federal Credit Union San Mateo, CA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	1459
Phone Number	(650) 522-7070
Website	smcefcu.org

Asset Quality	San Mateo City Employees Federal Credit Union San Mateo, CA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-6.09%
5-Year Asset Growth	0.96%
5-Year Charge-Offs to Average Loans	0.13%
Charge-Offs to Average Loans	0.04%
Non-Performing Assets to Assets	0.57%
Non-Performing Loans to Capital	6.94%
Non-Performing Loans to Loans	7.24%

Balance Sheet	San Mateo City Employees Federal Credit Union San Mateo, CA	Click to Compare	Click to Compare	Click to Compare
Total Assets	34.76M
Total Deposits	28.90M

Capital and Reserves	San Mateo City Employees Federal Credit Union San Mateo, CA	Click to Compare	Click to Compare	Click to Compare
Capital	5.79M
Leverage Ratio	16.73
Loan Loss Reserves to Loans	1.07%

Liquidity	San Mateo City Employees Federal Credit Union San Mateo, CA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	41.16%

Profitability	San Mateo City Employees Federal Credit Union San Mateo, CA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.28%
Net Income	-22.00K
Net Interest Spread	1.21%
Operating Profit to Average Assets	0.19%
Overhead Efficiency Ratio	86.00%
Return on Assets	-0.12%
Return on Equity	-0.77%