Vida
Ontario, CA · Charter 14542 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$174.6MAssets
$88.8MLoans
$150.4MShares
$24.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 81% of credit unions under $1B in assets in CA (rank 13 of 62).
- Widest gap: efficiency ratio trails 65% of credit unions under $1B in assets in CA (rank 42 of 63).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.49%
Rank 37 of 63
Net Interest Margin
3.49%
Rank 33 of 63
Efficiency Ratio
85.25%
Rank 42 of 63
Equity / Assets
13.75%
Rank 17 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.17% | 0.56% | 1.17% | Beats 41% | 37 / 63 | |
| Return on Equity | 3.54% | 1.81% | 4.79% | 8.64% | Beats 38% | 39 / 63 | |
| Net Interest Margin | 3.49% | 3.18% | 3.49% | 3.98% | Beats 48% | 33 / 63 | |
| Efficiency Ratio | 85.25% | 70.58% | 81.25% | 89.21% | Beats 35% | 42 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.17% | 0.42% | 0.85% | Beats 81% | 13 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.75% | 8.61% | 10.56% | 14.01% | Beats 73% | 17 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.75% | 8.61% | 10.56% | 14.01% | Beats 73% | 17 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 59.02% | 53.46% | 72.75% | 85.33% | 35th pctl | 40 / 62 | |
| Loans / Assets | 50.84% | 46.35% | 58.08% | 72.17% | 35th pctl | 41 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |