SAFE 1

Charter #61598 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

SAFE 1 has 11 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 1.1% in tier
  • + Organic Growth Engine: Top 7.7% in tier
  • + Wallet Share Momentum: Top 17.6% in tier
  • + Relationship Depth Leader: Top 28.0% in tier
  • + ROA 0.96% above tier average
  • + Net Interest Margin 0.30% above tier average
  • + Members Per Employee (MPE): Top 1.0% in tier
  • + Efficiency Ratio: Top 1.6% in tier
  • + First Mortgage Concentration (%): Top 2.6% in tier
  • + Net Worth Ratio: Top 6.2% in tier
  • + Asset Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 0.5% in tier
  • - Liquidity Overhang: Bottom 14.0% in tier
  • - Liquidity Strain: Bottom 25.0% in tier
  • - Indirect Auto Concentration (%): Bottom 0.7% in tier
  • - Average Member Relationship (AMR): Bottom 7.2% in tier
  • - Total Deposits: Bottom 7.9% in tier
  • - Total Assets: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 87,778
+4.8% YoY+1.7% QoQ
 -10.9K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 50th in tier
Assets $1.1B
+10.9% YoY+0.7% QoQ
 $-636.8M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Bottom 9.2% in tier
Loans $834.7M
+8.8% YoY+3.2% QoQ
 $-398.3M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 17.8% in tier
Deposits $907.0M
+10.4% YoY+1.0% QoQ
 $-547.3M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 7.6% in tier
ROA 1.7%
+28.7% YoY+2.8% QoQ
 +1.0% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Top 3.0% in tier
NIM 3.6%
+9.9% YoY+0.9% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 69th in tier
Efficiency Ratio 54.6%
-8.9% YoY-1.0% QoQ
 -19.4% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 1.6% in tier
Delinquency Rate 0.3%
-40.6% YoY-20.3% QoQ
 -0.5 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 13.2% in tier
Loan To Share 92.0%
-1.5% YoY+2.1% QoQ
 +6.8% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 62nd in tier
AMR $19,842
+4.7% YoY+0.4% QoQ
 $-9K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 6.9% in tier
CD Concentration 36.9%
+18.6% YoY+2.9% QoQ
 +7.9% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Top 17.2% in tier
Indirect Auto % 60.4%
+0.7% YoY+1.1% QoQ
 +41.6% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 0.5% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#7 of 184 • Top 1.1% in tier

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

Why This Signature
Return on Assets: 1.66%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.78%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Organic Growth Engine

growth
#57 of 246 • Top 7.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.78%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.66%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 60.40%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#128 of 264 • Top 17.6% in tier

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

Why This Signature
AMR Growth (YoY): 4.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#203 of 264 • Top 28.0% in tier

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

Why This Signature
AMR Growth (YoY): 4.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Concerns (3)

Indirect Auto Dependency

risk
#4 of 202 • Bottom 0.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 10.92%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 60.40%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.78%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Overhang

risk
#46 of 113 • Bottom 14.0% 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: 15.69%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 92.03%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Liquidity Strain

risk
#132 of 183 • Bottom 25.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 92.03%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.84%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 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 304 peers in tier

Top Strengths (9 metrics)

4
Members Per Employee (MPE)
engagement
Value: 613.832
Peer Avg: 364.953
#4 of 304 Top 1.0% in 1B-3B tier
6
Efficiency Ratio
profitability
Value: 54.59%
Peer Avg: 73.97%
#6 of 304 Top 1.6% in 1B-3B tier
9
Return on Assets (ROA)
profitability
Value: 1.66%
Peer Avg: 0.70%
#9 of 304 Top 2.6% in 1B-3B tier
9
First Mortgage Concentration (%)
balance_sheet
Value: 11.18%
Peer Avg: 34.01%
#9 of 304 Top 2.6% in 1B-3B tier
20
Net Worth Ratio
risk
Value: 15.69%
Peer Avg: 11.44%
#20 of 304 Top 6.2% in 1B-3B tier
28
Asset Growth Rate
growth
Value: 10.92%
Peer Avg: 4.83%
#28 of 304 Top 8.9% in 1B-3B tier
40
Deposit Growth Rate
growth
Value: 10.45%
Peer Avg: 5.58%
#40 of 304 Top 12.8% in 1B-3B tier
41
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Avg: 0.83%
#41 of 304 Top 13.2% in 1B-3B tier
70
Member Growth Rate
growth
Value: 4.78%
Peer Avg: 2.20%
#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (8 metrics)

303
Indirect Auto Concentration (%)
balance_sheet
Value: 60.40%
Peer Avg: 18.32%
#303 of 304 Bottom 0.7% in 1B-3B tier
283
Average Member Relationship (AMR)
engagement
Value: $19,842
Peer Avg: $29,172
#283 of 304 Bottom 7.2% in 1B-3B tier
281
Total Deposits
balance_sheet
Value: $906.98M
Peer Avg: $1.45B
#281 of 304 Bottom 7.9% in 1B-3B tier
276
Total Assets
balance_sheet
Value: $1.08B
Peer Avg: $1.72B
#276 of 304 Bottom 9.5% in 1B-3B tier
260
Share Certificate Concentration (%)
balance_sheet
Value: 36.92%
Peer Avg: 28.53%
#260 of 304 Bottom 14.8% in 1B-3B tier
258
Loan-to-Member Ratio (LMR)
engagement
Value: $9,509
Peer Avg: $13,213
#258 of 304 Bottom 15.5% in 1B-3B tier
253
Fee Income Per Member
profitability
Value: $144.26
Peer Avg: $210.52
#253 of 304 Bottom 17.1% in 1B-3B tier
250
Total Loans
balance_sheet
Value: $834.71M
Peer Avg: $1.23B
#250 of 304 Bottom 18.1% in 1B-3B tier