VIDA

Charter #14542 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

VIDA has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 5.2% in tier
  • + Organic Growth Engine: Top 6.3% in tier
  • + Organic Growth Leader: Top 13.7% in tier
  • + ROA 0.33% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 3.5% in tier
  • + Total Delinquency Rate (60+ days): Top 5.7% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 1.7% in tier
  • - Margin Compression: Bottom 8.1% in tier
  • - Liquidity Overhang: Bottom 9.2% in tier
  • - Shrinking Wallet Share: Bottom 11.2% in tier
  • - Efficiency ratio 1.15% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 10,101
+2.9% YoY-0.8% QoQ
 -5.5K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 31st in tier
Assets $167.1M
+0.7% YoY-1.9% QoQ
 $-64.2M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 38th in tier
Loans $82.7M
-0.9% YoY-1.1% QoQ
 $-65.1M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 23.5% in tier
Deposits $143.1M
+0.1% YoY-2.2% QoQ
 $-57.2M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 37th in tier
ROA 1.1%
-38.0% YoY-18.8% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 3.5%
+5.3% YoY+2.4% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 45th in tier
Efficiency Ratio 78.4%
+35.2% YoY+4.9% QoQ
 +1.1% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 55th in tier
Delinquency Rate 0.1%
-64.6% YoY-34.0% QoQ
 -0.7 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 5.7% in tier
Loan To Share 57.8%
-0.9% YoY+1.2% QoQ
 -14.9% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 18.3% in tier
AMR $22,349
-3.1% YoY-1.0% QoQ
 $-2K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 24.3%
+5.1% YoY+6.9% QoQ
 -0.1% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#98 of 627 • Top 5.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Organic Growth Engine

growth
#116 of 603 • Top 6.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#181 of 430 • Top 13.7% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.91%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Concerns (4)

Cost Spiral

risk
#5 of 62 • Bottom 1.7% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 20.43% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $167.12M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline
#35 of 136 • Bottom 8.1% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.68% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $167.12M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk
#143 of 552 • Bottom 9.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.99%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 57.80%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#113 of 244 • Bottom 11.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.10%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
39
Fee Income Per Member
profitability
Value: $320.34
Peer Avg: $174.31
#39 of 1077 Top 3.5% in 100M-500M tier
62
Total Delinquency Rate (60+ days)
risk
Value: 0.11%
Peer Avg: 0.86%
#62 of 1077 Top 5.7% in 100M-500M tier
222
Member Growth Rate
growth
Value: 2.91%
Peer Avg: 0.72%
#222 of 1077 Top 20.5% in 100M-500M tier
232
Net Worth Ratio
risk
Value: 13.99%
Peer Avg: 12.15%
#232 of 1077 Top 21.4% in 100M-500M tier

Top Weaknesses (5 metrics)

992
AMR Growth Rate
growth
Value: -3.10%
Peer Avg: 3.64%
#992 of 1077 Bottom 8.0% in 100M-500M tier
880
Loan-to-Share Ratio
balance_sheet
Value: 57.80%
Peer Avg: 72.70%
#880 of 1077 Bottom 18.4% in 100M-500M tier
869
Deposit Growth Rate
growth
Value: 0.06%
Peer Avg: 4.69%
#869 of 1077 Bottom 19.4% in 100M-500M tier
824
Total Loans
balance_sheet
Value: $82.69M
Peer Avg: $147.80M
#824 of 1077 Bottom 23.6% in 100M-500M tier
823
Asset Growth Rate
growth
Value: 0.72%
Peer Avg: 4.70%
#823 of 1077 Bottom 23.7% in 100M-500M tier