Cabrillo
San Diego, CA · Charter 68409 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
$573.5MAssets
$412.7MLoans
$511.2MShares
$54.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 70% of credit unions under $1B in assets in CA (rank 19 of 63).
- Widest gap: nonperforming loans / loans trails 77% of credit unions under $1B in assets in CA (rank 49 of 62).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.46%
Rank 38 of 63
Net Interest Margin
3.95%
Rank 19 of 63
Efficiency Ratio
76.97%
Rank 26 of 63
Equity / Assets
9.49%
Rank 39 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.46% | 0.17% | 0.56% | 1.17% | Beats 40% | 38 / 63 | |
| Return on Equity | 4.79% | 1.81% | 4.79% | 8.64% | Beats 49% | 32 / 63 | |
| Net Interest Margin | 3.95% | 3.18% | 3.49% | 3.98% | Beats 70% | 19 / 63 | |
| Efficiency Ratio | 76.97% | 70.58% | 81.25% | 89.21% | Beats 60% | 26 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.92% | 0.17% | 0.42% | 0.85% | Beats 23% | 49 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.49% | 8.61% | 10.56% | 14.01% | Beats 38% | 39 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.49% | 8.61% | 10.56% | 14.01% | Beats 38% | 39 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 80.73% | 53.46% | 72.75% | 85.33% | 68th pctl | 20 / 62 | |
| Loans / Assets | 71.96% | 46.35% | 58.08% | 72.17% | 70th pctl | 19 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |