SACRAMENTO

Charter #62641 | CA

750M-1B (112 CUs) Community (281 CUs)
15 750M-1B in CA

SACRAMENTO has 10 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 4.5% in tier
  • + Relationship Depth Leader: Top 13.0% in tier
  • + Wallet Share Momentum: Top 30.4% in tier
  • + ROA 0.68% above tier average
  • + Strong member growth: 6.0% YoY
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 7.1% in tier
  • + Member Growth Rate: Top 8.9% in tier
  • + Efficiency Ratio: Top 9.8% in tier
  • + Deposit Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 8.0% in tier
  • - Indirect Auto Dependency: Bottom 31.1% in tier
  • - Total Members: Bottom 8.9% in tier
  • - Total Loans: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 30,109
+6.0% YoY+2.4% QoQ
 -22.0K 52,114
-2.1% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 8.0% in tier
Assets $817.2M
-2.2% YoY+2.6% QoQ
 $-41.8M $859.0M
+0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $439.9M
+5.5% YoY+1.1% QoQ
 $-163.5M $603.4M
+1.0% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 8.9% in tier
Deposits $689.7M
+10.1% YoY+2.7% QoQ
 $-44.5M $734.2M
+0.9% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 1.4%
+16.2% YoY+3.3% QoQ
 +0.7% 0.7%
+27.6% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Top 12.5% in tier
NIM 2.7%
+18.0% YoY+0.7% QoQ
 -0.6% 3.4%
+9.6% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 17.0% in tier
Efficiency Ratio 59.4%
-5.3% YoY-2.4% QoQ
 -15.1% 74.5%
-3.2% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 9.8% in tier
Delinquency Rate 0.0%
-35.3% YoY+19.3% QoQ
 -0.8 0.8%
+5.0% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 63.8%
-4.2% YoY-1.6% QoQ
 -18.9% 82.7%
+0.1% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 14.3% in tier
AMR $37,514
+2.1% YoY-0.3% QoQ
 +$9K $28,651
+2.5% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 13.4% in tier
CD Concentration 28.8%
+20.2% YoY+6.6% QoQ
 +4.4% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 67th in tier
Indirect Auto % 27.9%
+4.4% YoY+1.9% QoQ
 +14.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 19.5% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#84 of 603 • Top 4.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.03%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.39%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 27.93%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#359 of 1006 • Top 13.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.12%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#838 of 1006 • Top 30.4% in tier

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

Why This Signature
AMR Growth (YoY): 2.12%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Liquidity Overhang

risk
#125 of 552 • Bottom 8.0% 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: 15.03%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 63.78%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#500 of 525 • Bottom 31.1% in tier

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

Why This Signature
Asset Growth (YoY): -2.16%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.93%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.03%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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)

Comparing against 112 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.04%
Peer Avg: 0.82%
#1 of 112 Top 0.0% in 750M-1B tier
9
Net Charge-Off Rate
risk
Value: 0.12%
Peer Avg: 0.61%
#9 of 112 Top 7.1% in 750M-1B tier
11
Member Growth Rate
growth
Value: 6.03%
Peer Avg: 1.14%
#11 of 112 Top 8.9% in 750M-1B tier
12
Efficiency Ratio
profitability
Value: 59.45%
Peer Avg: 74.52%
#12 of 112 Top 9.8% in 750M-1B tier
12
Deposit Growth Rate
growth
Value: 10.13%
Peer Avg: 5.03%
#12 of 112 Top 9.8% in 750M-1B tier
13
Net Worth Ratio
risk
Value: 15.03%
Peer Avg: 11.52%
#13 of 112 Top 10.7% in 750M-1B tier
14
Return on Assets (ROA)
profitability
Value: 1.39%
Peer Avg: 0.71%
#14 of 112 Top 11.6% in 750M-1B tier
15
Average Member Relationship (AMR)
engagement
Value: $37,514
Peer Avg: $28,651
#15 of 112 Top 12.5% in 750M-1B tier

Top Weaknesses (6 metrics)

103
Total Members
engagement
Value: 30,109
Peer Avg: 52,114
#103 of 112 Bottom 8.9% in 750M-1B tier
102
Total Loans
balance_sheet
Value: $439.86M
Peer Avg: $603.36M
#102 of 112 Bottom 9.8% in 750M-1B tier
99
Asset Growth Rate
growth
Value: -2.16%
Peer Avg: 4.25%
#99 of 112 Bottom 12.5% in 750M-1B tier
96
Loan-to-Share Ratio
balance_sheet
Value: 63.78%
Peer Avg: 82.66%
#96 of 112 Bottom 15.2% in 750M-1B tier
93
Net Interest Margin (NIM)
profitability
Value: 2.74%
Peer Avg: 3.38%
#93 of 112 Bottom 17.9% in 750M-1B tier
87
Indirect Auto Concentration (%)
balance_sheet
Value: 27.93%
Peer Avg: 16.60%
#87 of 112 Bottom 23.2% in 750M-1B tier