CHEVRON

Charter #24326 | CA

5B-7B (34 CUs) Large (64 CUs)
7 5B-7B in CA

CHEVRON has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 32.5% in tier
  • + Wallet Share Momentum: Top 33.3% in tier
  • + Relationship Depth Leader: Top 34.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.9% in tier
  • + Average Member Relationship (AMR): Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.0% in tier
  • - Liquidity Overhang: Bottom 34.5% in tier
  • - Liquidity Strain: Bottom 35.3% in tier
  • - ROA 1.26% below tier average
  • - Efficiency ratio 56.77% above tier (higher cost structure)
  • - Fee Income Per Member: Bottom 2.9% in tier
  • - Total Assets: Bottom 2.9% in tier
  • - Net Interest Margin (NIM): Bottom 5.9% in tier
  • - First Mortgage Concentration (%): Bottom 5.9% in tier
  • - Total Members: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 139,185
+1.1% YoY+0.6% QoQ
 -150.5K 289,724
-2.8% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 5.9% in tier
Assets $5.0B
+4.2% YoY+0.7% QoQ
 $-755.1M $5.8B
+0.2% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 0.0% in tier
Loans $4.0B
+0.6% YoY+1.6% QoQ
 $-41.1M $4.1B
-3.1% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 41st in tier
Deposits $4.4B
+5.0% YoY+0.6% QoQ
 $-528.2M $4.9B
+2.2% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 8.8% in tier
ROA -0.5%
-183.3% YoY-33.4% QoQ
 -1.3% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 0.0% in tier
NIM 1.3%
+43.0% YoY+6.8% QoQ
 -1.6% 2.9%
+3.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 2.9% in tier
Efficiency Ratio 124.9%
+70.9% YoY-19.1% QoQ
 +56.8% 68.1%
-1.7% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 2.9% in tier
Delinquency Rate 0.4%
-3.0% YoY-17.6% QoQ
 -0.3 0.6%
-2.2% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 92.7%
-4.1% YoY+1.0% QoQ
 +9.1% 83.6%
-5.7% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 56th in tier
AMR $60,362
+1.7% YoY+0.5% QoQ
 +$26K $34,398
+4.0% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 8.8% in tier
CD Concentration 36.4%
-7.9% YoY+1.5% QoQ
 +7.5% 28.9%
-1.3% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 23.4% in tier
Indirect Auto % 0.1%
+122.7% YoY+43.5% QoQ
 -16.5% 16.6%
-10.3% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Bottom 10.9% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#28 of 28 • Top 32.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.13%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank improving

Wallet Share Momentum

growth
#40 of 46 • Top 33.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.70%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Relationship Depth Leader

growth
#41 of 46 • Top 34.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.70%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (3)

Efficiency Drag

risk
#1 of 6 • Bottom 0.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 124.90%
(Tier: 66.07%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.01% points
(Tier: 0.13% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.13%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
6 of 64 Large CUs have this signature | 624 nationally
→ Stable (8→6 CUs) -2 CUs YoY | New qualifier

Liquidity Overhang

risk
#20 of 24 • Bottom 34.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.58%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 92.70%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | Rank improving

Liquidity Strain

risk
#31 of 32 • Bottom 35.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.70%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.64%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank improving

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)

Comparing against 34 peers in tier

Top Strengths (5 metrics)

2
Loan-to-Member Ratio (LMR)
engagement
Value: $29,037
Peer Avg: $15,308
#2 of 34 Top 2.9% in 5B-7B tier
3
Average Member Relationship (AMR)
engagement
Value: $60,362
Peer Avg: $34,398
#3 of 34 Top 5.9% in 5B-7B tier
5
Indirect Auto Concentration (%)
balance_sheet
Value: 0.09%
Peer Avg: 14.61%
#5 of 34 Top 11.8% in 5B-7B tier
7
Net Charge-Off Rate
risk
Value: 0.23%
Peer Avg: 0.57%
#7 of 34 Top 17.6% in 5B-7B tier
9
Net Worth Ratio
risk
Value: 12.58%
Peer Avg: 10.96%
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (9 metrics)

34
Return on Assets (ROA)
profitability
Value: -0.46%
Peer Avg: 0.80%
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Efficiency Ratio
profitability
Value: 124.90%
Peer Avg: 68.13%
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Fee Income Per Member
profitability
Value: $-31.15
Peer Avg: $213.89
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Total Assets
balance_sheet
Value: $5.04B
Peer Avg: $5.79B
#34 of 34 Bottom 2.9% in 5B-7B tier
33
Net Interest Margin (NIM)
profitability
Value: 1.33%
Peer Avg: 2.90%
#33 of 34 Bottom 5.9% in 5B-7B tier
33
First Mortgage Concentration (%)
balance_sheet
Value: 77.00%
Peer Avg: 37.88%
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Total Members
engagement
Value: 139,185
Peer Avg: 289,725
#32 of 34 Bottom 8.8% in 5B-7B tier
31
Total Deposits
balance_sheet
Value: $4.36B
Peer Avg: $4.89B
#31 of 34 Bottom 11.8% in 5B-7B tier
27
Loan Growth Rate
growth
Value: 0.64%
Peer Avg: 5.95%
#27 of 34 Bottom 23.5% in 5B-7B tier