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Riverside Health System Employees'

Newport News, VA · Charter 62418

NCUA · 1 branch

Q1 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2021, the quarter ended March 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Riverside Health System Employees'

Newport News, VA · Charter 62418

NCUA · 1 branch

Q1 2021

$8.0MAssets
$2.7MLoans
$7.0MShares
$998KNet 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 -13.51%, down 1,301 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (-30 bps YoY).
  • Capital: net worth / assets of 12.48%, down 531 bps from a year ago.
  • Funding: loans stand at 38.78% of shares as of Q1 2021.

Financial Results

Return on Assets (YTD, annualized)

-13.51%-1,301 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-129 bps YoY

Efficiency Ratio (YTD, annualized)

527%+41,659 bps YoY

Net Worth / Assets

12.48%-531 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets-0.50%-1.13%-1.23%-1.47%-13.51%-1,301 bps
Return on Equity-2.79%-7.07%-7.86%-9.27%-108.22%-10,542 bps
Net Interest Margin3.65%2.75%2.76%2.79%2.36%-129 bps
Efficiency Ratio110.73%133.26%135.99%141.97%527%+41,659 bps
Growth
Asset Growth (YoY)-5.34%1.65%8.46%7.26%3.40%+874 bps
Loan Growth (YoY)-3.74%-10.45%-15.81%-22.38%-20.48%-1,674 bps
Share Growth (YoY)-5.65%2.88%11.84%11.11%9.84%+1,548 bps
Asset Quality
Delinquent Loans / Loans0.30%0.05%0.05%0.00%0.00%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.71%0.63%0.64%0.64%0.68%-3 bps
Capital
Risk-Based Capital17.79%15.97%15.61%15.91%12.48%-531 bps
Net Worth / Assets17.79%15.97%15.61%15.91%12.48%-531 bps
Liquidity & Funding
Loans / Shares53.57%45.09%44.18%42.86%38.78%-1,479 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps