San Bernardino Comm. Col. Dis. Emp
San Bernardin0, CA · Charter 18454 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
$3.6MAssets
$2.0MLoans
$3.1MShares
$656KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 92% of credit unions under $1B in assets (rank 146 of 1761).
- Widest gap: return on equity trails 62% of credit unions under $1B in assets (rank 1084 of 1761).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.70%
Rank 879 of 1,761
Net Interest Margin
5.17%
Rank 146 of 1,761
Efficiency Ratio
74.48%
Rank 695 of 1,754
Equity / Assets
18.06%
Rank 304 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.26% | 0.70% | 1.22% | Beats 50% | 879 / 1,761 | |
| Return on Equity | 3.86% | 2.09% | 5.52% | 9.08% | Beats 38% | 1,084 / 1,761 | |
| Net Interest Margin | 5.17% | 3.03% | 3.59% | 4.25% | Beats 92% | 146 / 1,761 | |
| Efficiency Ratio | 74.48% | 68.95% | 77.94% | 87.14% | Beats 60% | 695 / 1,754 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.27% | Beats 56% | 780 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.07% | 10.05% | 12.42% | 15.87% | Beats 83% | 304 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.06% | 10.05% | 12.42% | 15.87% | Beats 83% | 304 / 1,761 | |
| Liquidity & Funding |
| Loans / Deposits | 65.88% | 56.21% | 73.13% | 85.64% | 38th pctl | 1,083 / 1,759 | |
| Loans / Assets | 55.66% | 47.85% | 62.48% | 73.19% | 37th pctl | 1,114 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |