PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Riverside County

Riverside, CA · Charter 6119

Q2 1998

$85.4MAssets
$62.3MLoans
$78.4MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.13%, down 114 bps year over year.
  • Asset quality: problem loans at 0.26% of loans (-49 bps YoY).
  • Funding: loans stand at 79.40% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

2.13%-114 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets3.27%3.42%3.54%2.43%2.13%-114 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-0.58%-0.54%1.50%2.50%4.06%+463 bps
Loan Growth (YoY)-0.60%5.54%6.05%3.53%4.99%+560 bps
Share Growth (YoY)-1.43%-1.56%0.82%2.15%3.75%+518 bps
Asset Quality
Delinquent Loans / Loans0.75%0.63%0.26%0.05%0.26%-49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.49%1.42%1.30%1.50%1.57%+8 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares78.46%87.02%87.52%81.66%79.40%+94 bps
Liquid Assets / Assets19.14%10.81%10.42%17.49%20.80%+166 bps