Riverside, CA · Charter 17415
NCUA · 4 branches
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |