Riverside, CA · Charter 17415
NCUA · 4 branches
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
86
Profitability
3
Liquidity
100
Efficiency
0
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Riverside, CA · Charter 17415
NCUA · 4 branches
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.54% | 0.03% | -0.32% | -0.62% | -0.70% | -1.04% | -1.36% | -7.20% | -658 bps | |
| Return on Equity | -24.34% | 0.26% | -3.15% | -6.10% | -7.06% | -10.54% | -14.43% | -135.33% | -12,923 bps | |
| Net Interest Margin | 2.23% | 2.14% | 2.10% | 2.15% | 2.12% | 2.08% | 2.19% | 2.37% | +22 bps | |
| Efficiency Ratio | 354% | 128.85% | 132.93% | 135.47% | 135.68% | 143.36% | 151.84% | 641% | +50,506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.05% | -5.80% | -3.13% | -4.94% | -2.09% | -2.05% | -4.59% | -6.80% | -186 bps | |
| Loan Growth (YoY) | 3.75% | 9.76% | 10.26% | 7.03% | 4.56% | 0.30% | -3.00% | -5.29% | -1,232 bps | |
| Share Growth (YoY) | -5.62% | -3.61% | -3.97% | -4.00% | 1.93% | -1.11% | -2.31% | -7.01% | -301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.15% | 0.11% | 0.07% | 0.11% | 0.12% | 0.07% | 0.11% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.44% | 10.57% | 10.19% | 10.23% | 9.96% | 9.82% | 9.45% | 5.32% | -491 bps | |
| Net Worth / Assets | 10.44% | 10.57% | 10.19% | 10.23% | 9.96% | 9.82% | 9.45% | 5.32% | -491 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.31% | 69.26% | 70.92% | 71.90% | 71.09% | 70.25% | 70.42% | 73.23% | +133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Riverside, CA · Charter 17415 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 4 branches
Q3 2024
Return on Assets
-7.20%
Rank 1,750 of 1,761
Net Interest Margin
2.37%
Rank 1,622 of 1,761
Efficiency Ratio
641%
Rank 1,752 of 1,754
Equity / Assets
5.32%
Rank 1,750 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -7.20% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,750 / 1,761 | ||
| Return on Equity | -135.34% | 2.09% | 5.52% | 9.08% | Beats 0% | 1,753 / 1,761 | ||
| Net Interest Margin | 2.37% | 3.03% | 3.59% | 4.25% | Beats 8% | 1,622 / 1,761 | ||
| Efficiency Ratio | 641% | 68.95% | 77.94% | 87.14% | Beats 0% | 1,752 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.27% | Beats 86% | 250 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 5.32% | 10.05% | 12.42% | 15.87% | Beats 1% | 1,750 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 5.32% | 10.05% | 12.42% | 15.87% | Beats 1% | 1,750 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.23% | 56.21% | 73.13% | 85.64% | 50th pctl | 876 / 1,759 | ||
| Loans / Assets | 65.89% | 47.85% | 62.48% | 73.19% | 58th pctl | 743 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||