Riverside, CA · Charter 15396
NCUA · 4 branches
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 9.75% | 9.07% | 8.58% | 9.06% | 9.55% | -20 bps | |
| Efficiency Ratio | 65.65% | 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 / Loans | 7.88% | 9.23% | 9.29% | 8.64% | 8.78% | +89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.39% | 6.11% | 6.36% | 6.71% | 7.34% | +196 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.71% | 12.29% | 11.88% | 10.42% | 8.93% | -478 bps | |
| Net Worth / Assets | 13.71% | 12.29% | 11.88% | 10.42% | 8.93% | -478 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.34% | 76.88% | 78.91% | 81.58% | 83.23% | +689 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |