Riverside, CA · Charter 62799
NCUA · 24 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 $1B-$10B in assets (n=412). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
32
Asset Quality
79
Profitability
60
Liquidity
63
Efficiency
54
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 62799
NCUA · 24 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 | 0.58% | 0.57% | 0.65% | 0.72% | 0.71% | +13 bps | |
| Return on Equity | 6.27% | 6.13% | 7.15% | 7.44% | 7.27% | +100 bps | |
| Net Interest Margin | 2.77% | 2.79% | 2.87% | 3.04% | 3.06% | +29 bps | |
| Efficiency Ratio | 77.69% | 77.58% | 72.41% | 73.44% | 73.52% | -417 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.65% | 5.25% | 7.52% | 2.61% | 1.24% | -641 bps | |
| Loan Growth (YoY) | 14.36% | 14.74% | 13.22% | 10.71% | 4.84% | -952 bps | |
| Share Growth (YoY) | -4.40% | -3.60% | -1.77% | -0.51% | 1.89% | +629 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.41% | 0.29% | 0.37% | 0.36% | +4 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 | 9.31% | 9.36% | 9.12% | 9.67% | 9.81% | +50 bps | |
| Net Worth / Assets | 9.31% | 9.36% | 9.12% | 9.67% | 9.81% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.52% | 81.21% | 79.52% | 80.59% | 80.79% | +228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Riverside, CA · Charter 62799 · Peer group: credit unions $1B-$10B in assets (n=412)
NCUA · 24 branches
Q3 2024
Return on Assets
0.71%
Rank 167 of 412
Net Interest Margin
3.06%
Rank 178 of 412
Efficiency Ratio
73.52%
Rank 191 of 412
Equity / Assets
9.81%
Rank 281 of 412
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.31% | 0.60% | 0.92% | Beats 59% | 167 / 412 | |
| Return on Equity | 7.27% | 3.02% | 5.68% | 8.26% | Beats 64% | 148 / 412 | |
| Net Interest Margin | 3.06% | 2.55% | 2.94% | 3.36% | Beats 57% | 178 / 412 | |
| Efficiency Ratio | 73.52% | 66.97% | 74.29% | 81.67% | Beats 54% | 191 / 412 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.39% | 0.64% | 0.94% | Beats 79% | 89 / 412 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.81% | 9.54% | 10.69% | 12.26% | Beats 32% | 281 / 412 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.81% | 9.54% | 10.69% | 12.26% | Beats 32% | 281 / 412 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.79% | 79.43% | 89.15% | 97.47% | 29th pctl | 292 / 412 | |
| Loans / Assets | 66.34% | 67.19% | 74.31% | 80.82% | 23rd pctl | 318 / 412 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||