I’ve found that the male / female distinction is not so important. There are older golfer who hit is short, young golfers who hit is short, players who are very long, but wild and don’t score well, etc. In short, what matters are the shots and not so much the sex of the golfer.
The Golfmetrics system gives handicaps, and a 5-handicap does refer to the USGA male 5 –handicap, while the female USGA handicap would be a bit different. Most female pros use the ‘scratch benchmark’.