CHULA VISTA CITY EMPLOYEES
Charter #18405 · Chula Vista, CA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 498 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 8.51% sits at the 15th percentile of structural peers — worth a closer look.
- Return on average assets of 9.66% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 6.16% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHULA VISTA CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.16M | 42th pct | 18th pct |
| Members | 498 | 43th pct | 21th pct |
| Net worth ratio | 8.51% | 8th pct | 15th pct |
| Return on average assets | 9.66% | 100th pct | 98th pct |
| Net interest margin | 6.16% | 92th pct | 93th pct |
| Cost of funds | 0.05% | 16th pct | 10th pct |
| Loan-to-share | 73.70% | 68th pct | 66th pct |
| Delinquency 60+ days | 0.70% | 47th pct | 61th pct |
| Net charge-off ratio | -4.79% | 0th pct | 0th pct |
| Loan growth YoY | -7.90% | 36th pct | 31th pct |
| Share growth YoY | -18.62% | 1th pct | 2th pct |
| Efficiency ratio | 81.41% | 42th pct | 25th pct |
structural peer set hash: 29eb50ef04aa8655ed0f7aeaac167a05… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.