Cal State Emp #13
Redding, CA · Charter 62677 · Peer group: credit unions under $1B in assets in CA (n=66)
NCUA · 6 branches
Q3 2025
$358.9MAssets
$233.1MLoans
$319.7MShares
$37.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets in CA (rank 5 of 66).
- Widest gap: net interest margin trails 65% of credit unions under $1B in assets in CA (rank 43 of 66).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.49%
Rank 8 of 66
Net Interest Margin
3.28%
Rank 43 of 66
Efficiency Ratio
63.26%
Rank 12 of 66
Equity / Assets
10.40%
Rank 30 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.49% | 0.22% | 0.63% | 1.04% | Beats 88% | 8 / 66 | | |
| Return on Equity | 14.34% | 2.29% | 5.41% | 9.31% | Beats 92% | 5 / 66 | | |
| Net Interest Margin | 3.28% | 3.05% | 3.55% | 4.03% | Beats 35% | 43 / 66 | | |
| Efficiency Ratio | 63.26% | 70.30% | 80.21% | 89.35% | Beats 83% | 12 / 66 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.17% | 0.39% | 0.82% | Beats 80% | 14 / 66 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.40% | 8.84% | 9.99% | 13.86% | Beats 55% | 30 / 66 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.40% | 8.85% | 9.99% | 13.86% | Beats 55% | 30 / 66 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.93% | 55.81% | 69.07% | 83.36% | 55th pctl | 30 / 66 | | |
| Loans / Assets | 64.95% | 49.30% | 61.37% | 73.62% | 58th pctl | 28 / 66 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |