City of Industr, CA · Charter 6072
NCUA · 3 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
26
Asset Quality
54
Profitability
15
Liquidity
74
Efficiency
10
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.
City of Industr, CA · Charter 6072
NCUA · 3 branches
Q3 2024
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 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.09% | -0.02% | 0.06% | 0.12% | +4 bps | |
| Return on Equity | 0.80% | 0.90% | -0.19% | 0.59% | 1.15% | +36 bps | |
| Net Interest Margin | 2.30% | 2.17% | 2.17% | 2.27% | 2.37% | +7 bps | |
| Efficiency Ratio | 93.82% | 92.63% | 104.80% | 99.82% | 97.05% | +323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.80% | 13.27% | 16.57% | 12.18% | 2.79% | -201 bps | |
| Loan Growth (YoY) | 10.38% | 14.51% | 10.54% | 1.30% | -1.53% | -1,190 bps | |
| Share Growth (YoY) | 5.38% | 3.70% | 8.12% | 5.61% | 2.19% | -319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.22% | 0.16% | 0.60% | 0.56% | +49 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.38% | 9.79% | 9.57% | 9.81% | 10.20% | -18 bps | |
| Net Worth / Assets | 10.38% | 9.79% | 9.57% | 9.81% | 10.20% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.68% | 85.75% | 80.36% | 78.69% | 78.70% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
City of Industr, CA · Charter 6072 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 3 branches
Q3 2024
Return on Assets
0.12%
Rank 1,447 of 1,761
Net Interest Margin
2.37%
Rank 1,624 of 1,761
Efficiency Ratio
97.06%
Rank 1,582 of 1,754
Equity / Assets
10.21%
Rank 1,300 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.26% | 0.70% | 1.22% | Beats 18% | 1,447 / 1,761 | |
| Return on Equity | 1.15% | 2.09% | 5.52% | 9.08% | Beats 19% | 1,422 / 1,761 | |
| Net Interest Margin | 2.37% | 3.03% | 3.59% | 4.25% | Beats 8% | 1,624 / 1,761 | |
| Efficiency Ratio | 97.06% | 68.95% | 77.94% | 87.14% | Beats 10% | 1,582 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.27% | Beats 54% | 804 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.20% | 10.05% | 12.42% | 15.87% | Beats 26% | 1,300 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.21% | 10.05% | 12.42% | 15.87% | Beats 26% | 1,300 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 78.70% | 56.21% | 73.13% | 85.64% | 60th pctl | 701 / 1,759 | |
| Loans / Assets | 66.56% | 47.85% | 62.48% | 73.19% | 59th pctl | 717 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||