San Diego, CA · Charter 68463
NCUA · 2 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, 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=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
92
Profitability
14
Liquidity
0
Efficiency
13
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.
San Diego, CA · Charter 68463
NCUA · 2 branches
Q4 2024
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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.10% | 0.08% | 0.06% | 0.08% | 0.05% | 0.09% | 0.12% | +6 bps | |
| Return on Equity | 1.48% | 1.00% | 0.84% | 0.57% | 0.79% | 0.47% | 0.97% | 1.29% | +72 bps | |
| Net Interest Margin | 2.24% | 2.26% | 2.25% | 2.29% | 1.97% | 2.14% | 2.06% | 2.05% | -24 bps | |
| Efficiency Ratio | 97.22% | 98.59% | 98.81% | 100.32% | 97.32% | 96.30% | 94.49% | 93.66% | -665 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.24% | -10.97% | -8.31% | -10.90% | -4.38% | -3.94% | 3.52% | 9.79% | +2,069 bps | |
| Loan Growth (YoY) | -7.46% | -6.03% | -5.77% | -6.53% | -7.10% | -6.17% | -5.95% | -6.94% | -40 bps | |
| Share Growth (YoY) | -13.00% | -14.26% | -9.22% | -12.28% | -2.32% | -1.86% | 2.52% | 8.68% | +2,096 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.19% | 0.01% | 0.01% | 0.00% | 0.17% | 0.10% | 0.01% | 0 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 | 9.23% | 9.69% | 9.85% | 10.25% | 9.68% | 10.11% | 9.58% | 9.45% | -80 bps | |
| Net Worth / Assets | 9.23% | 9.69% | 9.85% | 10.25% | 9.68% | 10.11% | 9.58% | 9.45% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.34% | 43.07% | 41.50% | 42.83% | 39.32% | 41.17% | 38.07% | 36.67% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Diego, CA · Charter 68463 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
Return on Assets
0.12%
Rank 1,420 of 1,724
Net Interest Margin
2.05%
Rank 1,653 of 1,723
Efficiency Ratio
93.73%
Rank 1,490 of 1,721
Equity / Assets
9.45%
Rank 1,423 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.12% | 0.25% | 0.67% | 1.13% | Beats 18% | 1,420 / 1,724 | ||
| Return on Equity | 1.29% | 1.95% | 5.34% | 8.54% | Beats 20% | 1,385 / 1,723 | ||
| Net Interest Margin | 2.05% | 3.03% | 3.61% | 4.27% | Beats 4% | 1,653 / 1,723 | ||
| Efficiency Ratio | 93.73% | 69.84% | 78.36% | 87.50% | Beats 13% | 1,490 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.28% | 0.70% | 1.38% | Beats 92% | 136 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.45% | 10.16% | 12.41% | 16.03% | Beats 17% | 1,424 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.45% | 10.15% | 12.41% | 16.03% | Beats 17% | 1,423 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 36.67% | 55.95% | 72.66% | 85.34% | 7th pctl | 1,604 / 1,722 | ||
| Loans / Assets | 33.29% | 47.91% | 62.00% | 72.82% | 9th pctl | 1,571 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||