Balboa Thrift and Loan Association

BankChula Vista, California
http://www.balboathrift.com

Total Assets

$409.5M

Total Deposits

$361.4M

Branches

4

Established

1980

TFS Health Grade

$
F

53.0 / 100

Poor financial health

How we grade

Balboa Thrift and Loan Association is a bank headquartered in Chula Vista, California, established in 1980. With $409.5M in total assets and 4 branch locations, it has a TFS Financial Health Grade of F (53.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.83%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.49%

Profitability

Return on Assets (ROA)
-0.51%(1%)
Return on Equity (ROE)
-4.55%(10%)
Net Interest Margin
4.99%
Efficiency Ratio
75.65%(60%)

Lending & Liquidity

Total Loans
$375.4M
Loan-to-Deposit Ratio
101.53%
Net Charge-Off Ratio
2.10%

Growth

Asset Growth (YoY)
-2.95%
Deposit Growth (YoY)
-2.96%
Net Income
$-2,120,000

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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