High Sierra
Bishop, CA · Charter 65664 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
$9.6MAssets
$4.4MLoans
$8.0MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of credit unions under $1B in assets (rank 161 of 1757).
- Widest gap: efficiency ratio trails 74% of credit unions under $1B in assets (rank 1300 of 1754).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.47%
Rank 1,126 of 1,761
Net Interest Margin
3.56%
Rank 915 of 1,761
Efficiency Ratio
86.82%
Rank 1,300 of 1,754
Equity / Assets
16.76%
Rank 384 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.47% | 0.26% | 0.70% | 1.22% | Beats 36% | 1,126 / 1,761 | | |
| Return on Equity | 2.81% | 2.09% | 5.52% | 9.08% | Beats 30% | 1,228 / 1,761 | | |
| Net Interest Margin | 3.56% | 3.03% | 3.59% | 4.25% | Beats 48% | 915 / 1,761 | | |
| Efficiency Ratio | 86.82% | 68.95% | 77.94% | 87.14% | Beats 26% | 1,300 / 1,754 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.26% | 0.65% | 1.27% | Beats 91% | 161 / 1,757 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.76% | 10.05% | 12.42% | 15.87% | Beats 78% | 384 / 1,761 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.76% | 10.05% | 12.42% | 15.87% | Beats 78% | 384 / 1,761 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.08% | 56.21% | 73.13% | 85.64% | 23rd pctl | 1,352 / 1,759 | | |
| Loans / Assets | 45.55% | 47.85% | 62.48% | 73.19% | 22nd pctl | 1,369 / 1,761 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |