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 9.99% above tier average
- + Net Interest Margin 2.46% above tier average
- + Net Charge-Off Rate: Top 0.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.4% YoY
- - Deposit Growth Rate: Bottom 1.5% in tier
- - Asset Growth Rate: Bottom 1.8% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
- - AMR Growth Rate: Bottom 7.5% in tier
- - Member Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
498
-7.4% YoY-7.9% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 13.7% in tier |
| Assets |
$3.2M
-15.6% YoY-9.0% QoQ
|
$-27.0M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.3% in tier |
| Loans |
$2.0M
-11.6% YoY-4.7% QoQ
|
$-13.3M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$2.8M
-19.7% YoY-15.5% QoQ
|
$-23.0M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.4% in tier |
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| ROA |
10.1%
-2070.9% YoY-434.2% QoQ
|
+10.0% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 0.2% in tier |
| NIM |
6.5%
+25.5% YoY+16.5% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
81.4%
-18.6% YoY-16.5% QoQ
|
-9.2% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
0.7%
+3.3% YoY
|
-0.8 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
52% |
| Loan To Share |
73.7%
+10.0% YoY+12.7% QoQ
|
+15.2% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$9,609
-9.7% YoY-3.5% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)