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 1.35% 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
|
15% |
| 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
|
19% |
| 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
|
17% |
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| 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
|
85% |
| 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
|
29% |
| 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
|
55% |
| 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
|
30% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)