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Riverdale

Selma, AL · Charter 62843

NCUA · 2 branches

Q3 2017

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: Q3 2017, the quarter ended September 30, 2017, 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

Riverdale

Selma, AL · Charter 62843

NCUA · 2 branches

Q3 2017

$54.9MAssets
$49.7MLoans
$57.0MShares
$-6072KNet Worth

Executive Summary

  • Earnings: ROA of -34.82%, down 3,600 bps year over year; NIM at 7.64%.
  • Asset quality: problem loans at 14.33% of loans (+1,130 bps YoY).
  • Capital: net worth / assets of -11.05%, down 2,388 bps from a year ago.
  • Funding: loans stand at 87.23% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-34.82%-3,600 bps YoY

Net Interest Margin (YTD, annualized)

7.64%+73 bps YoY

Efficiency Ratio (YTD, annualized)

68.63%+1,530 bps YoY

Net Worth / Assets

-11.05%-2,388 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.94%1.13%1.28%1.18%0.72%3.79%-33.23%-34.82%-3,600 bps
Return on Equity7.50%9.11%10.11%9.22%5.90%30.10%n/an/an/a
Net Interest Margin6.08%6.49%6.68%6.90%6.60%7.10%6.89%7.64%+73 bps
Efficiency Ratio60.02%57.62%56.73%53.33%54.98%50.92%64.48%68.63%+1,530 bps
Growth
Asset Growth (YoY)4.38%4.75%4.60%8.40%8.51%10.62%-9.45%-21.52%-2,992 bps
Loan Growth (YoY)12.72%13.92%13.93%15.54%17.11%17.08%0.16%-14.67%-3,021 bps
Share Growth (YoY)1.25%3.11%2.18%7.52%3.68%6.98%-0.28%-5.07%-1,259 bps
Asset Quality
Delinquent Loans / Loans2.68%3.10%2.88%3.03%2.53%3.69%13.80%14.33%+1,130 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.15%2.15%2.17%2.48%2.77%2.32%10.94%12.95%+1,047 bps
Capital
Risk-Based Capital12.48%12.42%12.63%12.83%12.22%12.59%-2.54%-11.05%-2,388 bps
Net Worth / Assets12.48%12.42%12.63%12.83%12.22%12.59%-2.54%-11.05%-2,388 bps
Liquidity & Funding
Loans / Shares92.83%91.58%94.70%97.04%104.85%100.23%95.11%87.23%-981 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps