Bourns Employees
Riverside, CA · Charter 17415 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 4 branches
Q3 2024
$61.1MAssets
$40.3MLoans
$55.0MShares
$3.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets (rank 250 of 1757).
- Widest gap: efficiency ratio trails 100% of credit unions under $1B in assets (rank 1752 of 1754).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |