SAFE

Charter #68366 | CA

3B-5B (76 CUs) Mid-Market (380 CUs)
10 3B-5B in CA

SAFE has 2 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 20.9% in tier
  • + Share Certificate Concentration (%): Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 5.9% in tier
  • - Indirect Auto Dependency: Bottom 32.5% in tier
  • - ROA 0.10% below tier average
  • - Efficiency ratio 5.67% above tier (higher cost structure)
  • - Asset Growth Rate: Bottom 7.9% in tier
  • - Loan Growth Rate: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 244,211
+4.2% YoY+0.2% QoQ
 +5.7K 238,465
+0.6% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $4.4B
-5.5% YoY-0.4% QoQ
 +$407.6M $4.0B
-0.1% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $3.1B
-4.3% YoY+0.4% QoQ
 +$60.2M $3.0B
+3.3% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $3.9B
+0.4% YoY-1.0% QoQ
 +$594.2M $3.3B
+1.1% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 14.5% in tier
ROA 0.6%
+31.6% YoY-5.8% QoQ
 -0.1% 0.7%
+5.3% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 37th in tier
NIM 2.6%
+17.1% YoY+3.6% QoQ
 -0.6% 3.2%
+13.7% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 17.1% in tier
Efficiency Ratio 76.9%
-3.9% YoY+0.9% QoQ
 +5.7% 71.3%
-0.6% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 19.7% in tier
Delinquency Rate 0.4%
-10.4% YoY-13.9% QoQ
 -0.4 0.8%
+15.9% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 29th in tier
Loan To Share 78.4%
-4.7% YoY+1.4% QoQ
 -12.4% 90.8%
+2.0% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 14.5% in tier
AMR $28,690
-5.7% YoY-0.6% QoQ
 $-397 $29,088
+0.1% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 19.8%
-2.3% YoY-1.4% QoQ
 -9.2% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 12.7% in tier
Indirect Auto % 20.6%
-12.3% YoY-3.2% QoQ
 +1.8% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 59th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#152 of 246 • Top 20.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.22%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.65%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 20.57%
(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 | New qualifier

Concerns (2)

Shrinking Wallet Share

decline
#19 of 83 • Bottom 5.9% in tier

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

Why This Signature
AMR Growth (YoY): -5.69%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#201 of 202 • Bottom 32.5% in tier

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

Why This Signature
Asset Growth (YoY): -5.54%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 20.57%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.22%
(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 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 76 peers in tier

Top Strengths (4 metrics)

8
Share Certificate Concentration (%)
balance_sheet
Value: 19.76%
Peer Avg: 30.70%
#8 of 76 Top 9.2% in 3B-5B tier
11
Total Deposits
balance_sheet
Value: $3.93B
Peer Avg: $3.33B
#11 of 76 Top 13.2% in 3B-5B tier
16
Fee Income Per Member
profitability
Value: $249.55
Peer Avg: $191.96
#16 of 76 Top 19.7% in 3B-5B tier
18
Net Charge-Off Rate
risk
Value: 0.29%
Peer Avg: 0.64%
#18 of 76 Top 22.4% in 3B-5B tier

Top Weaknesses (8 metrics)

71
Asset Growth Rate
growth
Value: -5.54%
Peer Avg: 7.42%
#71 of 76 Bottom 7.9% in 3B-5B tier
71
Loan Growth Rate
growth
Value: -4.33%
Peer Avg: 9.56%
#71 of 76 Bottom 7.9% in 3B-5B tier
69
AMR Growth Rate
growth
Value: -5.69%
Peer Avg: 2.07%
#69 of 76 Bottom 10.5% in 3B-5B tier
67
First Mortgage Concentration (%)
balance_sheet
Value: 53.39%
Peer Avg: 34.35%
#67 of 76 Bottom 13.2% in 3B-5B tier
65
Loan-to-Share Ratio
balance_sheet
Value: 78.40%
Peer Avg: 90.85%
#65 of 76 Bottom 15.8% in 3B-5B tier
63
Net Interest Margin (NIM)
profitability
Value: 2.58%
Peer Avg: 3.20%
#63 of 76 Bottom 18.4% in 3B-5B tier
62
Efficiency Ratio
profitability
Value: 76.93%
Peer Avg: 71.26%
#62 of 76 Bottom 19.7% in 3B-5B tier
62
Deposit Growth Rate
growth
Value: 0.43%
Peer Avg: 8.84%
#62 of 76 Bottom 19.7% in 3B-5B tier