Redding, CA · Charter 62677
NCUA · 6 branches
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, 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 in CA (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
80
Profitability
72
Liquidity
81
Efficiency
83
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.
Redding, CA · Charter 62677
NCUA · 6 branches
Q3 2025
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 1.10% | 1.07% | 1.02% | 0.99% | 0.95% | 1.24% | 1.49% | +47 bps | |
| Return on Equity | 9.19% | 11.76% | 11.03% | 10.58% | 10.14% | 9.88% | 12.42% | 14.34% | +376 bps | |
| Net Interest Margin | 3.15% | 3.05% | 3.11% | 3.09% | 3.08% | 3.10% | 3.20% | 3.28% | +18 bps | |
| Efficiency Ratio | 75.34% | 71.65% | 70.24% | 70.33% | 71.34% | 70.42% | 66.49% | 63.26% | -707 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.38% | 0.64% | 1.19% | 4.71% | 7.23% | 7.48% | 8.50% | 6.78% | +207 bps | |
| Loan Growth (YoY) | -3.16% | -6.83% | -7.14% | -7.27% | -6.33% | -5.12% | -1.31% | -0.39% | +688 bps | |
| Share Growth (YoY) | -5.14% | -1.42% | -0.86% | 3.33% | 6.86% | 7.73% | 8.66% | 6.37% | +304 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.04% | 0.27% | 0.29% | 0.32% | 0.30% | 0.50% | 0.13% | -15 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.44% | 9.36% | 9.66% | 9.68% | 9.79% | 9.63% | 9.97% | 10.40% | +72 bps | |
| Net Worth / Assets | 9.44% | 9.36% | 9.66% | 9.68% | 9.79% | 9.63% | 9.97% | 10.40% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.25% | 81.54% | 80.69% | 77.87% | 76.48% | 71.81% | 73.29% | 72.93% | -495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redding, CA · Charter 62677 · Peer group: credit unions under $1B in assets in CA (n=66)
NCUA · 6 branches
Q3 2025
Return on Assets
1.49%
Rank 8 of 66
Net Interest Margin
3.28%
Rank 43 of 66
Efficiency Ratio
63.26%
Rank 12 of 66
Equity / Assets
10.40%
Rank 30 of 66
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.22% | 0.63% | 1.04% | Beats 88% | 8 / 66 | ||
| Return on Equity | 14.34% | 2.29% | 5.41% | 9.31% | Beats 92% | 5 / 66 | ||
| Net Interest Margin | 3.28% | 3.05% | 3.55% | 4.03% | Beats 35% | 43 / 66 | ||
| Efficiency Ratio | 63.26% | 70.30% | 80.21% | 89.35% | Beats 83% | 12 / 66 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.13% | 0.17% | 0.39% | 0.82% | Beats 80% | 14 / 66 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.40% | 8.84% | 9.99% | 13.86% | Beats 55% | 30 / 66 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.40% | 8.85% | 9.99% | 13.86% | Beats 55% | 30 / 66 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 72.93% | 55.81% | 69.07% | 83.36% | 55th pctl | 30 / 66 | ||
| Loans / Assets | 64.95% | 49.30% | 61.37% | 73.62% | 58th pctl | 28 / 66 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||