Safeamerica
Pleasanton, CA · Charter 97093 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 5 branches
Q4 2024
$506.9MAssets
$379.3MLoans
$464.0MShares
$50.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 41% of credit unions under $1B in assets (rank 1013 of 1721).
- Widest gap: return on equity trails 93% of credit unions under $1B in assets (rank 1595 of 1723).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.31%
Rank 1,582 of 1,724
Net Interest Margin
2.69%
Rank 1,484 of 1,723
Efficiency Ratio
87.88%
Rank 1,310 of 1,721
Equity / Assets
9.91%
Rank 1,342 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.31% | 0.25% | 0.67% | 1.13% | Beats 8% | 1,582 / 1,724 | |
| Return on Equity | -3.11% | 1.95% | 5.34% | 8.54% | Beats 7% | 1,595 / 1,723 | |
| Net Interest Margin | 2.69% | 3.03% | 3.61% | 4.27% | Beats 14% | 1,484 / 1,723 | |
| Efficiency Ratio | 87.88% | 69.84% | 78.36% | 87.50% | Beats 24% | 1,310 / 1,721 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.28% | 0.70% | 1.38% | Beats 41% | 1,013 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.91% | 10.16% | 12.41% | 16.03% | Beats 22% | 1,343 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.91% | 10.15% | 12.41% | 16.03% | Beats 22% | 1,342 / 1,723 | |
| Liquidity & Funding |
| Loans / Deposits | 81.74% | 55.95% | 72.66% | 85.34% | 68th pctl | 554 / 1,722 | |
| Loans / Assets | 74.82% | 47.91% | 62.00% | 72.82% | 80th pctl | 340 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |