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Riverview Community

St Clair, MI · Charter 7921

NCUA · 1 branch

Q1 2020

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: Q1 2020, the quarter ended March 31, 2020, 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

Riverview Community

St Clair, MI · Charter 7921

NCUA · 1 branch

Q1 2020

$30.3MAssets
$13.4MLoans
$27.8MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of -10.86%, down 1,137 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.15% of loans (+14 bps YoY).
  • Capital: net worth / assets of 6.27%, down 223 bps from a year ago.
  • Funding: loans stand at 47.99% of shares as of Q1 2020.

Return on Assets (YTD, annualized)

-10.86%-1,137 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+39 bps YoY

Efficiency Ratio (YTD, annualized)

346%+25,431 bps YoY

Net Worth / Assets

6.27%-223 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets-0.89%-0.41%-0.38%0.51%0.76%0.21%-0.91%-10.86%-1,137 bps
Return on Equity-10.95%-4.68%-4.36%6.02%8.80%2.39%-10.44%-173.33%-17,935 bps
Net Interest Margin2.83%3.00%3.03%2.92%2.97%3.06%2.92%3.32%+39 bps
Efficiency Ratio94.62%89.81%88.51%92.03%89.27%89.29%117.42%346%+25,431 bps
Growth
Asset Growth (YoY)4.17%2.67%0.70%-1.57%-0.70%4.32%7.28%0.70%+227 bps
Loan Growth (YoY)-2.90%-1.52%-0.97%-0.42%3.28%7.99%6.23%0.17%+59 bps
Share Growth (YoY)5.20%3.66%1.50%-1.56%-2.00%2.98%5.16%1.58%+313 bps
Asset Quality
Delinquent Loans / Loans0.99%1.31%0.14%0.01%0.16%0.24%1.46%0.15%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.17%1.09%1.19%1.09%0.94%0.92%0.87%1.00%-8 bps
Capital
Risk-Based Capital8.11%8.72%8.65%8.50%8.64%8.80%8.71%6.27%-223 bps
Net Worth / Assets8.11%8.72%8.65%8.50%8.64%8.80%8.71%6.27%-223 bps
Liquidity & Funding
Loans / Shares46.50%48.20%49.39%48.67%49.00%50.55%49.90%47.99%-67 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps