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Rafe

Riverside, CA · Charter 15396

NCUA · 4 branches

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rafe

Riverside, CA · Charter 15396

NCUA · 4 branches

Q3 2017

$23.2MAssets
$17.4MLoans
$20.9MShares
$2.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -5.24%, down 376 bps year over year; NIM at 9.55%.
  • Asset quality: problem loans at 8.78% of loans (+89 bps YoY).
  • Capital: net worth / assets of 8.93%, down 478 bps from a year ago.
  • Funding: loans stand at 83.23% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-5.24%-376 bps YoY

Net Interest Margin (YTD, annualized)

9.55%-20 bps YoY

Efficiency Ratio (YTD, annualized)

85.38%+1,974 bps YoY

Net Worth / Assets

8.93%-478 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-1.49%-2.22%-1.62%-4.32%-5.24%-376 bps
Return on Equity-10.86%-18.10%-13.63%-41.41%-58.76%-4,790 bps
Net Interest Margin9.75%9.07%8.58%9.06%9.55%-20 bps
Efficiency Ratio65.65%67.85%72.12%88.89%85.38%+1,974 bps
Growth
Asset Growth (YoY)1.47%3.25%-0.14%-1.50%-2.37%-384 bps
Loan Growth (YoY)-3.21%2.90%7.67%11.75%12.20%+1,541 bps
Share Growth (YoY)3.65%6.53%4.41%3.37%2.91%-73 bps
Asset Quality
Delinquent Loans / Loans7.88%9.23%9.29%8.64%8.78%+89 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.39%6.11%6.36%6.71%7.34%+196 bps
Capital
Risk-Based Capital13.71%12.29%11.88%10.42%8.93%-478 bps
Net Worth / Assets13.71%12.29%11.88%10.42%8.93%-478 bps
Liquidity & Funding
Loans / Shares76.34%76.88%78.91%81.58%83.23%+689 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps