Community C.U. of So. Humboldt Coun
Garberville, CA · Charter 65388 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 3 branches
Q1 2025
$126.4MAssets
$103.0MLoans
$116.0MShares
$9.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 51% of credit unions under $1B in assets (rank 818 of 1677).
- Widest gap: equity / assets trails 98% of credit unions under $1B in assets (rank 1638 of 1677).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |