SAN DIEGO COUNTY
Charter #61004 | CA
7B-10B
(30 CUs)
Large
($5B-$10B)
(64 CUs)
5 7B-10B in CA
SAN DIEGO COUNTY has 3 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.3% in tier
- + Total Delinquency Rate (60+ days): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 0.0% in tier
- - Institutional Decline: Bottom 0.0% in tier
- - Liquidity Overhang: Bottom 1.8% in tier
- - Membership Headwinds: Bottom 13.0% in tier
- - Shrinking Wallet Share: Bottom 14.6% in tier
- - Stagnation Risk: Bottom 21.7% in tier
- - Credit Quality Pressure: Bottom 24.6% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 7.18% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Deposit Growth Rate: Bottom 3.3% in tier
- - Asset Growth Rate: Bottom 6.7% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
- - First Mortgage Concentration (%): Bottom 6.7% in tier
- - Net Interest Margin (NIM): Bottom 10.0% in tier
- - Member Growth Rate: Bottom 10.0% in tier
- - Loan-to-Share Ratio: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
413,370
-3.7% YoY+0.1% QoQ
|
-45.9K |
459,296
+3.8% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
40th in tier |
| Assets |
$9.3B
-7.4% YoY-0.4% QoQ
|
+$340.8M |
$8.9B
+1.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
60th in tier |
| Loans |
$5.0B
-9.4% YoY-2.1% QoQ
|
$-1.3B |
$6.3B
+2.9% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.3% in tier |
| Deposits |
$7.5B
-2.4% YoY-1.4% QoQ
|
+$24.2M |
$7.5B
+2.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
43rd in tier |
| ROA |
0.9%
+30.3% YoY+4.0% QoQ
|
-0.2% |
1.0%
+22.1% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
40th in tier |
| NIM |
2.1%
+9.0% YoY+1.3% QoQ
|
-0.9% |
3.0%
+11.5% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
70.9%
-3.5% YoY-1.9% QoQ
|
+7.2% |
63.7%
-2.2% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
70th in tier |
| Delinquency Rate |
0.2%
+4.7% YoY-6.8% QoQ
|
-0.5 |
0.7%
+10.8% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
67.4%
-7.2% YoY-0.7% QoQ
|
-18.0% |
85.4%
+0.7% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.7% in tier |
| AMR |
$30,283
-1.7% YoY-1.8% QoQ
|
$-3K |
$33,660
-2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
53rd in tier |
| CD Concentration |
24.8%
+3.3% YoY-6.7% QoQ
|
-4.0% |
28.9%
-1.3% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
27th in tier |
| Indirect Auto % |
13.5%
-8.6% YoY-0.6% QoQ
|
-3.1% |
16.6%
-10.3% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
44th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (7)
Accelerating Exit Risk
decline
#1 of 1 • Bottom 0.0% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-3.69%
(Tier:
3.07%, National:
9.37%)
AMR Growth (YoY):
-1.68%
(Tier:
2.82%, National:
4.19%)
1 of 64 Large CUs have this signature
| 73 nationally
→ Stable (1→1 CUs)
Institutional Decline
decline
#1 of 5 • Bottom 0.0% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$9.26B
(Tier: $8.92B, National: $547.69M)
Member Growth (YoY):
-3.69%
(Tier:
3.07%, National:
9.37%)
Loan Growth (YoY):
-9.38%
(Tier:
4.99%, National:
36.38%)
5 of 64 Large CUs have this signature
| 293 nationally
→ Stable (1→5 CUs)
+4 CUs YoY
Liquidity Overhang
risk
#2 of 24 • Bottom 1.8% 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:
20.05%
(Tier:
11.62%, National:
14.51%)
Loan-to-Share Ratio:
67.40%
(Tier:
84.48%, National:
67.96%)
24 of 64 Large CUs have this signature
| 691 nationally
↑ Growing
+7 CUs YoY
Membership Headwinds
decline
#4 of 10 • Bottom 13.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-3.69%
(Tier:
3.07%, National:
9.37%)
10 of 64 Large CUs have this signature
| 648 nationally
↑ Growing
+7 CUs YoY
Shrinking Wallet Share
decline
#8 of 15 • 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):
-1.68%
(Tier:
2.82%, National:
4.19%)
15 of 64 Large CUs have this signature
| 346 nationally
↓ Shrinking
-6 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#6 of 10 • Bottom 21.7% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.87%
(Tier:
0.91%, National:
0.71%)
Member Growth (YoY):
-3.69%
(Tier:
3.07%, National:
9.37%)
Avg Member Relationship:
$30.3K
(Tier: $34.1K, National: $19.4K)
CD Concentration:
24.82%
(Tier:
28.87%, National:
19.60%)
10 of 64 Large CUs have this signature
| 648 nationally
↑ Growing
+7 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#31 of 34 • Bottom 24.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.01% points
(Tier:
0.04% points, National:
0.07% points)
34 of 64 Large CUs have this signature
| 1002 nationally
↓ Shrinking
-17 CUs YoY
|
Rank worsening
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)
Top Strengths (3 metrics)
1
Net Worth Ratio
risk
Value:
20.05%
Peer Avg: 12.36%
#1 of 30
Top 0.0% in 7B-10B tier
2
Net Charge-Off Rate
risk
Value:
0.11%
Peer Avg: 0.56%
#2 of 30
Top 3.3% in 7B-10B tier
3
Total Delinquency Rate (60+ days)
risk
Value:
0.21%
Peer Avg: 0.67%
#3 of 30
Top 6.7% in 7B-10B tier
Top Weaknesses (9 metrics)
30
Deposit Growth Rate
growth
Value:
-2.36%
Peer Avg: 4.48%
#30 of 30
Bottom 3.3% in 7B-10B tier
29
Asset Growth Rate
growth
Value:
-7.42%
Peer Avg: 2.91%
#29 of 30
Bottom 6.7% in 7B-10B tier
29
Loan Growth Rate
growth
Value:
-9.38%
Peer Avg: 3.91%
#29 of 30
Bottom 6.7% in 7B-10B tier
29
First Mortgage Concentration (%)
balance_sheet
Value:
68.39%
Peer Avg: 38.48%
#29 of 30
Bottom 6.7% in 7B-10B tier
28
Net Interest Margin (NIM)
profitability
Value:
2.07%
Peer Avg: 3.00%
#28 of 30
Bottom 10.0% in 7B-10B tier
28
Member Growth Rate
growth
Value:
-3.69%
Peer Avg: 2.85%
#28 of 30
Bottom 10.0% in 7B-10B tier
28
Loan-to-Share Ratio
balance_sheet
Value:
67.40%
Peer Avg: 85.44%
#28 of 30
Bottom 10.0% in 7B-10B tier
26
Total Loans
balance_sheet
Value:
$5.04B
Peer Avg: $6.34B
#26 of 30
Bottom 16.7% in 7B-10B tier
24
AMR Growth Rate
growth
Value:
-1.68%
Peer Avg: 1.77%
#24 of 30
Bottom 23.3% in 7B-10B tier