CHULA VISTA CITY EMPLOYEES
Charter #18405 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
CHULA VISTA CITY EMPLOYEES has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.19% below tier average
- - Efficiency ratio 14.31% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
541
-1.3% YoY+0.9% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.9% in tier |
| Assets |
$3.7M
-9.1% YoY-2.4% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 15.3% in tier |
| Loans |
$2.2M
-5.4% YoY-2.2% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.0% in tier |
| Deposits |
$3.4M
-7.9% YoY-2.3% QoQ
|
$-22.1M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.4% in tier |
| ROA |
-0.5%
-169.0% YoY-23.5% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 8.8% in tier |
| NIM |
5.3%
+17.8% YoY+3.6% QoQ
|
+1.3% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 9.7% in tier |
| Efficiency Ratio |
95.7%
+18.3% YoY+2.0% QoQ
|
+14.3% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 15.3% in tier |
| Delinquency Rate |
0.2%
-86.0% YoY+11.0% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
29th in tier |
| Loan To Share |
65.1%
+2.8% YoY+0.1% QoQ
|
+3.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
55th in tier |
| AMR |
$10,332
-5.7% YoY-3.2% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
30th in tier |
| CD Concentration | 0.0% | -24.4% |
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 (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
252
Net Interest Margin (NIM)
profitability
Value:
5.28%
Peer Avg: 3.93%
#252 of 2596
Top 9.7% in <100M tier
297
Members Per Employee (MPE)
engagement
Value:
541.000
Peer Avg: 365.701
#297 of 2596
Top 11.4% in <100M tier
Top Weaknesses (11 metrics)
2506
Net Worth Ratio
risk
Value:
7.68%
Peer Avg: 16.43%
#2506 of 2596
Bottom 3.5% in <100M tier
2429
Asset Growth Rate
growth
Value:
-9.06%
Peer Avg: 1.82%
#2429 of 2596
Bottom 6.5% in <100M tier
2367
Return on Assets (ROA)
profitability
Value:
-0.51%
Peer Avg: 0.68%
#2367 of 2596
Bottom 8.9% in <100M tier
2335
Deposit Growth Rate
growth
Value:
-7.93%
Peer Avg: 16.80%
#2335 of 2596
Bottom 10.1% in <100M tier
2209
Total Members
engagement
Value:
541
Peer Avg: 2,626
#2209 of 2596
Bottom 14.9% in <100M tier
2201
Efficiency Ratio
profitability
Value:
95.70%
Peer Avg: 81.39%
#2201 of 2596
Bottom 15.3% in <100M tier
2198
Total Assets
balance_sheet
Value:
$3.69M
Peer Avg: $29.86M
#2198 of 2596
Bottom 15.4% in <100M tier
2193
AMR Growth Rate
growth
Value:
-5.73%
Peer Avg: 4.67%
#2193 of 2596
Bottom 15.6% in <100M tier
2143
Total Deposits
balance_sheet
Value:
$3.39M
Peer Avg: $25.45M
#2143 of 2596
Bottom 17.5% in <100M tier
2139
Net Charge-Off Rate
risk
Value:
0.85%
Peer Avg: 0.57%
#2139 of 2596
Bottom 17.6% in <100M tier