Bishop, CA · Charter 65664
NCUA · 1 branch
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 under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
91
Profitability
38
Liquidity
44
Efficiency
26
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.
Bishop, CA · Charter 65664
NCUA · 1 branch
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 | -0.18% | -0.19% | 0.05% | -0.13% | -0.12% | -2.23% | 0.24% | 0.46% | +59 bps | |
| Return on Equity | -1.40% | -1.43% | 0.41% | -0.97% | -0.84% | -15.76% | 1.47% | 2.77% | +375 bps | |
| Net Interest Margin | 2.37% | 2.60% | 2.55% | 2.73% | 2.81% | 2.21% | 3.33% | 3.55% | +83 bps | |
| Efficiency Ratio | 107.47% | 101.88% | 97.99% | 101.97% | 104.16% | 201% | 92.86% | 86.98% | -1,498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | -2.24% | 0.65% | -3.45% | -9.99% | -12.59% | -24.23% | -24.44% | -2,099 bps | |
| Loan Growth (YoY) | -0.58% | -5.48% | 1.76% | 0.97% | -0.46% | 5.46% | 2.03% | 1.53% | +56 bps | |
| Share Growth (YoY) | -4.95% | -7.30% | -4.60% | -8.93% | -24.32% | -23.53% | -25.15% | -23.59% | -1,467 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.05% | 0.08% | 0.42% | 1.29% | 0.28% | 0.26% | 0.02% | -40 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% | 0.88% | 0.89% | 0.90% | 0.91% | 1.20% | 1.24% | 1.44% | +54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.80% | 12.99% | 12.83% | 13.23% | 14.06% | 14.18% | 16.25% | 16.76% | +354 bps | |
| Net Worth / Assets | 12.80% | 12.99% | 12.83% | 13.23% | 14.06% | 14.18% | 16.25% | 16.76% | +354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.64% | 37.21% | 39.37% | 41.45% | 50.82% | 51.32% | 53.66% | 55.08% | +1,363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bishop, CA · Charter 65664 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
0.47%
Rank 1,126 of 1,761
Net Interest Margin
3.56%
Rank 915 of 1,761
Efficiency Ratio
86.82%
Rank 1,300 of 1,754
Equity / Assets
16.76%
Rank 384 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.26% | 0.70% | 1.22% | Beats 36% | 1,126 / 1,761 | ||
| Return on Equity | 2.81% | 2.09% | 5.52% | 9.08% | Beats 30% | 1,228 / 1,761 | ||
| Net Interest Margin | 3.56% | 3.03% | 3.59% | 4.25% | Beats 48% | 915 / 1,761 | ||
| Efficiency Ratio | 86.82% | 68.95% | 77.94% | 87.14% | Beats 26% | 1,300 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.02% | 0.26% | 0.65% | 1.27% | Beats 91% | 161 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.76% | 10.05% | 12.42% | 15.87% | Beats 78% | 384 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.76% | 10.05% | 12.42% | 15.87% | Beats 78% | 384 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.08% | 56.21% | 73.13% | 85.64% | 23rd pctl | 1,352 / 1,759 | ||
| Loans / Assets | 45.55% | 47.85% | 62.48% | 73.19% | 22nd pctl | 1,369 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||