FWIW my MacBook Pro is the 2015 Intel version, and my card is HFS+ formatted (Android would use FAT32 or Ext4). I got similar performance with an external USB reader IIRC, but maybe it's time to test again.
USB 2 has very poor latency for this use case and the sd connector lacks the pins for newer sd cards.
A usb 3 UHS III reader would be able to talk to the card at full speed, then it's a matter of convincing the OS to trim it and buffer as if it's an internal hdd. Kinda expensive and pointless to go to that effort to get 2x hdd performance when there are NVME enclosures for cheaper SSDs that have 100x the IOPs though.
