Wheelhouse
San Diego, CA · Charter 61003 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
$459.7MAssets
$381.7MLoans
$409.8MShares
$38.8MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets in CA (rank 5 of 63).
- Widest gap: equity / assets trails 84% of credit unions under $1B in assets in CA (rank 53 of 63).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.29%
Rank 13 of 63
Net Interest Margin
3.68%
Rank 29 of 63
Efficiency Ratio
71.64%
Rank 19 of 63
Equity / Assets
8.43%
Rank 53 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.29% | 0.17% | 0.56% | 1.17% | Beats 79% | 13 / 63 | |
| Return on Equity | 15.32% | 1.81% | 4.79% | 8.64% | Beats 92% | 5 / 63 | |
| Net Interest Margin | 3.68% | 3.18% | 3.49% | 3.98% | Beats 54% | 29 / 63 | |
| Efficiency Ratio | 71.64% | 70.58% | 81.25% | 89.21% | Beats 71% | 19 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.17% | 0.42% | 0.85% | Beats 79% | 14 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.43% | 8.61% | 10.56% | 14.01% | Beats 16% | 53 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.43% | 8.61% | 10.56% | 14.01% | Beats 16% | 53 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 93.14% | 53.46% | 72.75% | 85.33% | 89th pctl | 7 / 62 | |
| Loans / Assets | 83.04% | 46.35% | 58.08% | 72.17% | 92nd pctl | 5 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |