Chula Vista City Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). A current level of 5.6 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Fair liquidity 3.6, driven by a liquidity ratio of 16.1 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (53%), other (47%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
276 Fourth Avenue
Chula Vista, CA 91910
Chula Vista, CA 91910
Phone Number
(619) 691-5240
NCUA Charter Number
Largest Competitors
Tustin, CA
Sacramento, CA
San Jose, CA
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Dublin, CA