Garberville, CA · Charter 65388
NCUA · 3 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
10
Profitability
21
Liquidity
14
Efficiency
18
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Garberville, CA · Charter 65388
NCUA · 3 branches
Q1 2025
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -2.52% | -2.02% | -0.14% | -0.16% | -0.45% | -0.42% | -0.63% | -49 bps | |
| Return on Equity | -29.91% | -36.33% | -30.20% | -2.06% | -2.32% | -6.39% | -6.10% | -8.56% | -650 bps | |
| Net Interest Margin | 3.12% | 3.12% | 3.15% | 2.55% | 2.79% | 3.06% | 3.27% | 3.70% | +114 bps | |
| Efficiency Ratio | 101.12% | 104.07% | 103.28% | 99.90% | 101.40% | 102.60% | 98.46% | 92.32% | -758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | -6.74% | -1.14% | -5.43% | -7.73% | -9.68% | -11.51% | -15.79% | -1,036 bps | |
| Loan Growth (YoY) | -1.75% | -9.20% | -7.47% | -7.91% | -10.02% | -14.94% | -16.12% | -14.83% | -693 bps | |
| Share Growth (YoY) | -5.26% | -1.35% | -1.65% | 4.19% | -0.27% | -3.58% | -5.48% | -16.56% | -2,075 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.44% | 2.92% | 3.08% | 2.82% | 4.29% | 4.21% | 4.50% | 2.27% | -56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.67% | 6.94% | 6.71% | 6.95% | 7.08% | 7.00% | 6.91% | 7.41% | +46 bps | |
| Net Worth / Assets | 7.67% | 6.94% | 6.71% | 6.95% | 7.08% | 7.00% | 6.91% | 7.41% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.72% | 95.06% | 93.17% | 87.03% | 85.46% | 83.86% | 82.68% | 88.84% | +181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Garberville, CA · Charter 65388 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 3 branches
Q1 2025
Return on Assets
-0.63%
Rank 1,552 of 1,678
Net Interest Margin
3.70%
Rank 818 of 1,677
Efficiency Ratio
92.30%
Rank 1,379 of 1,675
Equity / Assets
7.41%
Rank 1,638 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.63% | 0.24% | 0.67% | 1.21% | Beats 8% | 1,552 / 1,678 | ||
| Return on Equity | -8.54% | 1.96% | 5.37% | 8.99% | Beats 5% | 1,591 / 1,675 | ||
| Net Interest Margin | 3.70% | 3.12% | 3.67% | 4.25% | Beats 51% | 818 / 1,677 | ||
| Efficiency Ratio | 92.30% | 68.92% | 78.89% | 88.44% | Beats 18% | 1,379 / 1,675 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.27% | 0.21% | 0.58% | 1.19% | Beats 10% | 1,505 / 1,676 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.41% | 10.02% | 12.33% | 15.89% | Beats 2% | 1,639 / 1,678 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.41% | 10.02% | 12.33% | 15.89% | Beats 2% | 1,638 / 1,677 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 88.84% | 54.28% | 70.33% | 83.29% | 85th pctl | 245 / 1,677 | ||
| Loans / Assets | 81.50% | 46.21% | 59.98% | 70.96% | 95th pctl | 91 / 1,677 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||