CALIFORNIA LITHUANIAN

Charter #64834 | CA

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

CALIFORNIA LITHUANIAN has 12 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.3% in tier
  • + Emerging Performer: Top 18.1% in tier
  • + Organic Growth Leader: Top 24.0% in tier
  • + Relationship Depth Leader: Top 24.9% in tier
  • + Organic Growth Engine: Top 25.9% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.2% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.2% in tier
  • + Net Charge-Off Rate: Top 1.0% in tier
  • + Net Worth Ratio: Top 3.0% in tier
  • + Loan Growth Rate: Top 3.2% in tier
  • + Loan-to-Share Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 0.6% in tier
  • - Liquidity Strain: Bottom 3.1% in tier
  • - Liquidity Overhang: Bottom 17.9% in tier
  • - ROA 0.24% below tier average
  • - Delinquency rate 2.94% above tier average
  • - Total Members: Bottom 0.3% in tier
  • - Total Delinquency Rate (60+ days): Bottom 0.9% in tier
  • - Fee Income Per Member: Bottom 1.0% in tier
  • - Share Certificate Concentration (%): Bottom 1.0% in tier
  • - Net Interest Margin (NIM): Bottom 1.1% in tier
  • - Members Per Employee (MPE): Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 1,885
+1.4% YoY+0.1% QoQ
 -13.7K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Bottom 0.2% in tier
Assets $148.1M
+0.3% YoY+1.1% QoQ
 $-83.2M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 30th in tier
Loans $114.4M
+21.0% YoY+11.7% QoQ
 $-33.4M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 44th in tier
Deposits $117.0M
-0.4% YoY+1.2% QoQ
 $-83.3M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Bottom 23.2% in tier
ROA 0.6%
+18.1% YoY+7.2% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 36th in tier
NIM 1.7%
+17.7% YoY+0.7% QoQ
 -1.9% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 1.0% in tier
Efficiency Ratio 68.4%
+0.1% YoY-2.6% QoQ
 -8.9% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 22.0% in tier
Delinquency Rate 3.8%
+76.2% YoY+239.4% QoQ
 +2.9 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 0.9% in tier
Loan To Share 97.8%
+21.5% YoY+10.4% QoQ
 +25.1% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Top 5.0% in tier
AMR $122,728
+7.7% YoY+6.0% QoQ
 +$98K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 0.3% in tier
CD Concentration 51.1%
-1.3% YoY+0.0% QoQ
 +26.7% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Wallet Share Momentum

growth
#231 of 1006 • Top 8.3% in tier

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

Why This Signature
AMR Growth (YoY): 7.66%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#341 of 627 • Top 18.1% in tier

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

Why This Signature
Return on Assets: 0.55%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth
#317 of 430 • Top 24.0% in tier

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

Why This Signature
Member Growth (YoY): 1.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#686 of 1006 • Top 24.9% in tier

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

Why This Signature
AMR Growth (YoY): 7.66%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY

Organic Growth Engine

growth
#475 of 603 • Top 25.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.40%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.55%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Growth-at-Risk

risk
#2 of 446 • Bottom 0.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 21.01%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.64% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#15 of 736 • Bottom 0.6% in tier

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

Why This Signature
Delinquency Change (YoY): 1.64% 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 | Rank worsening

Liquidity Strain

risk
#25 of 258 • Bottom 3.1% in tier

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

Why This Signature
Loan-to-Share Ratio: 97.76%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 21.01%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

Liquidity Overhang

risk
#278 of 552 • Bottom 17.9% 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: 20.02%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 97.76%
(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 | 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 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
3
Average Member Relationship (AMR)
engagement
Value: $122,728
Peer Avg: $24,363
#3 of 1077 Top 0.2% in 100M-500M tier
3
Loan-to-Member Ratio (LMR)
engagement
Value: $60,670
Peer Avg: $10,245
#3 of 1077 Top 0.2% in 100M-500M tier
12
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.47%
#12 of 1077 Top 1.0% in 100M-500M tier
33
Net Worth Ratio
risk
Value: 20.02%
Peer Avg: 12.15%
#33 of 1077 Top 3.0% in 100M-500M tier
35
Loan Growth Rate
growth
Value: 21.01%
Peer Avg: 3.45%
#35 of 1077 Top 3.2% in 100M-500M tier
54
Loan-to-Share Ratio
balance_sheet
Value: 97.76%
Peer Avg: 72.70%
#54 of 1077 Top 4.9% in 100M-500M tier
178
AMR Growth Rate
growth
Value: 7.66%
Peer Avg: 3.64%
#178 of 1077 Top 16.4% in 100M-500M tier
238
Efficiency Ratio
profitability
Value: 68.37%
Peer Avg: 77.28%
#238 of 1077 Top 22.0% in 100M-500M tier

Top Weaknesses (9 metrics)

1075
Total Members
engagement
Value: 1,885
Peer Avg: 15,628
#1075 of 1077 Bottom 0.3% in 100M-500M tier
1068
Total Delinquency Rate (60+ days)
risk
Value: 3.80%
Peer Avg: 0.86%
#1068 of 1077 Bottom 0.9% in 100M-500M tier
1067
Fee Income Per Member
profitability
Value: $24.96
Peer Avg: $174.31
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1067
Share Certificate Concentration (%)
balance_sheet
Value: 51.12%
Peer Avg: 23.61%
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1066
Net Interest Margin (NIM)
profitability
Value: 1.71%
Peer Avg: 3.58%
#1066 of 1077 Bottom 1.1% in 100M-500M tier
1015
Members Per Employee (MPE)
engagement
Value: 209.444
Peer Avg: 332.881
#1015 of 1077 Bottom 5.8% in 100M-500M tier
902
Deposit Growth Rate
growth
Value: -0.37%
Peer Avg: 4.69%
#902 of 1077 Bottom 16.3% in 100M-500M tier
862
Asset Growth Rate
growth
Value: 0.27%
Peer Avg: 4.70%
#862 of 1077 Bottom 20.1% in 100M-500M tier
827
Total Deposits
balance_sheet
Value: $116.98M
Peer Avg: $200.29M
#827 of 1077 Bottom 23.3% in 100M-500M tier