BlastPoint's Credit Union Scorecard
CHULA VISTA CITY EMPLOYEES
Charter #18405 · 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 1.60% 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 3.65% below tier average
- - Efficiency ratio 14.94% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 2.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
541
-0.4% YoY0% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 14.7% in tier |
| Assets |
$3.5M
-2.9% YoY-5.8% QoQ
|
$-26.7M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.2% in tier |
| Loans |
$2.1M
-6.8% YoY-3.4% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$3.3M
+0.0% YoY-3.8% QoQ
|
$-22.4M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-3.0%
-458.0% YoY+500.1% QoQ
|
-3.7% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.9% in tier |
| NIM |
5.5%
+20.4% YoY+5.1% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
97.5%
+22.4% YoY+1.9% QoQ
|
+14.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 14.0% in tier |
| Delinquency Rate |
0.0%
-98.7% YoY-95.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
65.4%
-6.8% YoY+0.4% QoQ
|
+4.8% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$9,960
-2.4% YoY-3.6% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)