Chula Vista City Employees
Chula Vista, CA · Charter 18405 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$3.1MAssets
$2.0MLoans
$2.6MShares
$258KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets in CA (rank 1 of 63).
- Widest gap: equity / assets trails 89% of credit unions under $1B in assets in CA (rank 56 of 63).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
4.41%
Rank 2 of 63
Net Interest Margin
6.33%
Rank 1 of 63
Efficiency Ratio
90.48%
Rank 51 of 63
Equity / Assets
8.25%
Rank 56 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 4.41% | 0.17% | 0.56% | 1.17% | Beats 97% | 2 / 63 | | |
| Return on Equity | 53.49% | 1.81% | 4.79% | 8.64% | Beats 97% | 2 / 63 | | |
| Net Interest Margin | 6.33% | 3.18% | 3.49% | 3.98% | Beats 98% | 1 / 63 | | |
| Efficiency Ratio | 90.48% | 70.58% | 81.25% | 89.21% | Beats 21% | 51 / 63 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.64% | 0.17% | 0.42% | 0.85% | Beats 39% | 39 / 62 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.25% | 8.61% | 10.56% | 14.01% | Beats 11% | 56 / 63 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.25% | 8.61% | 10.56% | 14.01% | Beats 11% | 56 / 63 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.17% | 53.46% | 72.75% | 85.33% | 61st pctl | 24 / 62 | | |
| Loans / Assets | 65.17% | 46.35% | 58.08% | 72.17% | 57th pctl | 27 / 63 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |