RBFCU capital data summarize how RBFCU's balance sheet, member base, credit metrics, earnings, and net worth moved through the first quarter.
Highlights
- Assets: $19.2B at March 31, -0.06% from year-end and 3.73% from a year earlier.
- Loans: $12.7B, equal to 66.34% of assets.
- Member shares: $15.5B, with loan-to-share at 82.09%.
- Credit: delinquency was 1%; net charge-offs were 0.71% of average loans.
- Net worth: 13.18%; return on assets was 1.02%; year-to-date net income was $49M.
RBFCU capital narrative
NCUA 5300 Call Report data for charter 8111 show RBFCU reported $19.2B in assets, $12.7B in loans, and $15.5B in member shares at March 31.
The lending side accounted for 66.34% of assets, and the loan-to-share ratio was 82.09%. Those two measures give readers the basic balance-sheet context for comparing RBFCU with other large credit unions.
Credit and earnings metrics round out the Q1 view. RBFCU reported a 1% delinquent-loans-to-total-loans ratio, 0.71% net charge-offs to average loans, 1.02% return on assets, and $49M in year-to-date net income.
Net worth ratio, loan concentration, member-share growth, and credit costs should be read together because they describe different parts of the same cooperative balance sheet. None of those measures alone is the story; together they show how the quarter moved.
This series uses a straightforward format: highlights first, then the narrative around assets, loans, member shares, credit, earnings, and net worth. The goal is to make the Q1 call-report movement readable as a data update for industry readers.