CAMINO

Charter #4633 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

CAMINO has 2 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 22.9% in tier
  • + Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.9% in tier
  • - Shrinking Wallet Share: Bottom 14.6% in tier
  • - Efficiency Drag: Bottom 15.1% in tier
  • - Deposit Outflow: Bottom 17.3% in tier
  • - Liquidity Overhang: Bottom 34.0% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 6.06% above tier (higher cost structure)
  • - Delinquency rate 1.11% above tier average
  • - First Mortgage Concentration (%): Bottom 5.1% in tier
  • - Total Delinquency Rate (60+ days): Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 12,581
-0.2% YoY+0.1% QoQ
 -3.0K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 45th in tier
Assets $177.4M
+0.5% YoY+1.8% QoQ
 $-53.9M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 42nd in tier
Loans $129.3M
-4.2% YoY-1.5% QoQ
 $-18.5M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $150.0M
-0.7% YoY+1.9% QoQ
 $-50.2M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 41st in tier
ROA 0.6%
+107.1% YoY-2.5% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 39th in tier
NIM 3.9%
+1.3% YoY-0.5% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 83.3%
-0.2% YoY-0.5% QoQ
 +6.1% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 2.0%
+191.9% YoY+34.6% QoQ
 +1.1 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 7.1% in tier
Loan To Share 86.2%
-3.5% YoY-3.3% QoQ
 +13.5% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 22.8% in tier
AMR $22,206
-2.2% YoY+0.3% QoQ
 $-2K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 49th in tier
CD Concentration 19.2%
+12.6% YoY+3.9% QoQ
 -5.2% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.2%
-9.7% YoY-5.9% QoQ
 -13.8% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#430 of 627 • Top 22.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.59%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.16%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (5)

Credit Quality Pressure

risk
#23 of 736 • Bottom 0.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.29% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#146 of 244 • Bottom 14.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.17%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Efficiency Drag

risk
#267 of 521 • Bottom 15.1% in tier

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

Why This Signature
Efficiency Ratio: 83.34%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.31% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.16%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Deposit Outflow

decline
#103 of 114 • Bottom 17.3% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.67%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $177.36M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Liquidity Overhang

risk
#526 of 552 • Bottom 34.0% 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: 12.18%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 86.20%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (1 metrics)

246
Loan-to-Share Ratio
balance_sheet
Value: 86.20%
Peer Avg: 72.70%
#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1023
First Mortgage Concentration (%)
balance_sheet
Value: 62.33%
Peer Avg: 30.43%
#1023 of 1077 Bottom 5.1% in 100M-500M tier
1001
Total Delinquency Rate (60+ days)
risk
Value: 1.97%
Peer Avg: 0.86%
#1001 of 1077 Bottom 7.1% in 100M-500M tier
961
AMR Growth Rate
growth
Value: -2.17%
Peer Avg: 3.64%
#961 of 1077 Bottom 10.9% in 100M-500M tier
924
Deposit Growth Rate
growth
Value: -0.67%
Peer Avg: 4.69%
#924 of 1077 Bottom 14.3% in 100M-500M tier
905
Loan Growth Rate
growth
Value: -4.18%
Peer Avg: 3.45%
#905 of 1077 Bottom 16.1% in 100M-500M tier
845
Asset Growth Rate
growth
Value: 0.49%
Peer Avg: 4.70%
#845 of 1077 Bottom 21.6% in 100M-500M tier