Riverside, CA · Charter 24969
NCUA · 24 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
53
Profitability
53
Liquidity
43
Efficiency
50
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 24969
NCUA · 24 branches
Q2 2026
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 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 0.74% | 0.51% | 1.27% | 1.15% | 1.08% | 0.52% | 0.71% | -57 bps | |
| Return on Equity | 7.32% | 5.09% | 11.78% | 10.34% | 9.66% | 4.76% | 6.32% | -547 bps | |
| Net Interest Margin | 3.14% | 3.31% | 3.49% | 3.62% | 3.65% | 3.85% | 3.93% | +44 bps | |
| Efficiency Ratio | 73.85% | 71.65% | 64.62% | 66.55% | 68.26% | 72.44% | 71.70% | +708 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -0.36% | 2.07% | 3.54% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -0.46% | 0.44% | 3.85% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 6.06% | 4.42% | 3.60% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.48% | 0.36% | 0.52% | 0.51% | 0.61% | 0.50% | 0.65% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||||
| Risk-Based Capital | 10.08% | 10.09% | 10.82% | 11.11% | 11.14% | 10.87% | 11.17% | +36 bps | |
| Net Worth / Assets | 10.08% | 10.09% | 10.82% | 11.11% | 11.14% | 10.87% | 11.17% | +36 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 79.28% | 74.93% | 74.86% | 75.51% | 74.40% | 72.07% | 75.05% | +18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Riverside, CA · Charter 24969 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
0.71%
Rank 269 of 435
Net Interest Margin
3.93%
Rank 67 of 435
Efficiency Ratio
71.70%
Rank 219 of 435
Equity / Assets
11.17%
Rank 191 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.55% | 0.81% | 1.14% | Beats 38% | 269 / 435 | ||
| Return on Equity | 6.32% | 5.12% | 7.41% | 9.70% | Beats 37% | 276 / 435 | ||
| Net Interest Margin | 3.93% | 3.01% | 3.39% | 3.75% | Beats 85% | 67 / 435 | ||
| Efficiency Ratio | 71.70% | 65.25% | 71.39% | 77.86% | Beats 50% | 219 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.45% | 0.69% | 1.05% | Beats 53% | 204 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.17% | 9.81% | 10.84% | 12.63% | Beats 56% | 191 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.17% | 9.81% | 10.84% | 12.63% | Beats 56% | 191 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 75.05% | 78.33% | 88.38% | 95.61% | 20th pctl | 349 / 435 | ||
| Loans / Assets | 67.10% | 67.69% | 74.58% | 80.80% | 23rd pctl | 335 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||