Riverside, CA · Charter 62799
NCUA · 24 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.73% | 0.60% | 0.58% | 0.57% | 0.65% | 0.72% | 0.71% | +13 bps | |
| Return on Equity | 8.14% | 7.87% | 6.40% | 6.27% | 6.13% | 7.15% | 7.44% | 7.27% | +100 bps | |
| Net Interest Margin | 2.72% | 2.79% | 2.81% | 2.77% | 2.79% | 2.87% | 3.04% | 3.06% | +29 bps | |
| Efficiency Ratio | 77.94% | 73.88% | 77.05% | 77.69% | 77.58% | 72.41% | 73.44% | 73.52% | -417 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | 3.73% | 5.36% | 7.65% | 5.25% | 7.52% | 2.61% | 1.24% | -641 bps | |
| Loan Growth (YoY) | 14.38% | 15.98% | 14.81% | 14.36% | 14.74% | 13.22% | 10.71% | 4.84% | -952 bps | |
| Share Growth (YoY) | 3.19% | -1.43% | -3.05% | -4.40% | -3.60% | -1.77% | -0.51% | 1.89% | +629 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.30% | 0.26% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.31% | 9.28% | 9.32% | 9.31% | 9.36% | 9.12% | 9.67% | 9.81% | +50 bps | |
| Net Worth / Assets | 9.31% | 9.28% | 9.32% | 9.31% | 9.36% | 9.12% | 9.67% | 9.81% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.23% | 68.99% | 72.42% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |