PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cal State Emp #13

Redding, CA · Charter 62677

NCUA · 6 branches

Q3 2025

$358.9MAssets
$233.1MLoans
$319.7MShares
$37.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.49%, up 47 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.13% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.40%, up 72 bps from a year ago.
  • Funding: loans stand at 72.93% of shares as of Q3 2025.

Return on Assets (quarter, annualized)

1.49%+47 bps YoY

Net Interest Margin (quarter, annualized)

3.28%+18 bps YoY

Efficiency Ratio (quarter, annualized)

63.26%-707 bps YoY

Net Worth / Assets

10.40%+72 bps YoY

Discrete quarter, annualized.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.87%1.10%1.07%1.02%0.99%0.95%1.24%1.49%+47 bps
Return on Equity9.19%11.76%11.03%10.58%10.14%9.88%12.42%14.34%+376 bps
Net Interest Margin3.15%3.05%3.11%3.09%3.08%3.10%3.20%3.28%+18 bps
Efficiency Ratio75.34%71.65%70.24%70.33%71.34%70.42%66.49%63.26%-707 bps
Growth
Asset Growth (YoY)-3.38%0.64%1.19%4.71%7.23%7.48%8.50%6.78%+207 bps
Loan Growth (YoY)-3.16%-6.83%-7.14%-7.27%-6.33%-5.12%-1.31%-0.39%+688 bps
Share Growth (YoY)-5.14%-1.42%-0.86%3.33%6.86%7.73%8.66%6.37%+304 bps
Asset Quality
Delinquent Loans / Loans0.26%0.04%0.27%0.29%0.32%0.30%0.50%0.13%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.44%9.36%9.66%9.68%9.79%9.63%9.97%10.40%+72 bps
Net Worth / Assets9.44%9.36%9.66%9.68%9.79%9.63%9.97%10.40%+72 bps
Liquidity & Funding
Loans / Shares87.25%81.54%80.69%77.87%76.48%71.81%73.29%72.93%-495 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps