BlastPoint's Credit Union Scorecard
CHULA VISTA CITY EMPLOYEES
Charter #18405 · CA
CHULA VISTA CITY EMPLOYEES has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.92% above tier average
- + Net Interest Margin 2.39% above tier average
- + Net Charge-Off Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.29% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Deposit Growth Rate: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 4.4% in tier
- - Net Worth Ratio: Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -23.8% year over year ($2.6M in shares and deposits).
- Membership: 510 members, -4.9% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 4.41%.
- Efficiency ratio 91.06% vs a 88.77% peer average.
- Loan-to-share ratio 77.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
510
-4.9% YoY+2.4% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 13.9% in tier |
| Assets |
$3.1M
-17.2% YoY-1.1% QoQ
|
$-27.2M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 13.0% in tier |
| Loans |
$2.0M
-9.6% YoY+0.4% QoQ
|
$-13.4M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$2.6M
-23.8% YoY-4.1% QoQ
|
$-23.2M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
4.4%
-768.1% YoY-56.5% QoQ
|
+2.9% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 2.1% in tier |
| NIM |
6.3%
+23.4% YoY-2.8% QoQ
|
+2.4% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 2.4% in tier |
| Efficiency Ratio |
91.1%
-3.0% YoY+11.9% QoQ
|
+2.3% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.6%
+211.6% YoY-9.2% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
77.2%
+18.6% YoY+4.7% QoQ
|
+18.3% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$9,175
-14.0% YoY-4.5% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)