North County
San Diego, CA · Charter 68463 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
$71.4MAssets
$23.8MLoans
$64.8MShares
$6.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets (rank 136 of 1721).
- Widest gap: net interest margin trails 96% of credit unions under $1B in assets (rank 1653 of 1723).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |