PackageTrendsPeer
Letter portraitLegal landscape

Fdic Employees

Washington, DC · Charter 118

NCUA · 2 branches

Q3 2019

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 2019, the quarter ended September 30, 2019, 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

Fdic Employees

Washington, DC · Charter 118

NCUA · 2 branches

Q3 2019

$143.1MAssets
$95.5MLoans
$134.8MShares
$11.1MNet Worth

Executive Summary

  • Earnings: ROA of -2.95%, down 357 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.13% of loans (+80 bps YoY).
  • Capital: net worth / assets of 7.78%, down 135 bps from a year ago.
  • Funding: loans stand at 70.83% of shares as of Q3 2019.

Return on Assets (YTD, annualized)

-2.95%-357 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+15 bps YoY

Efficiency Ratio (YTD, annualized)

166.02%+8,614 bps YoY

Net Worth / Assets

7.78%-135 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-0.10%0.61%0.54%0.63%0.65%0.49%0.63%-2.95%-357 bps
Return on Equity-1.16%7.09%6.07%6.86%7.00%5.26%6.35%-37.87%-4,473 bps
Net Interest Margin3.15%3.17%3.30%3.38%3.42%3.52%3.68%3.53%+15 bps
Efficiency Ratio91.59%76.45%80.00%79.88%79.93%83.06%83.37%166.02%+8,614 bps
Growth
Asset Growth (YoY)1.99%1.33%-2.32%-2.05%0.24%-2.06%-2.57%-6.80%-475 bps
Loan Growth (YoY)7.54%4.18%5.45%2.41%3.05%6.23%3.22%-2.44%-486 bps
Share Growth (YoY)2.06%1.16%-3.04%-2.79%-0.28%-2.84%-3.48%-3.03%-24 bps
Asset Quality
Delinquent Loans / Loans1.08%0.34%0.21%0.33%0.31%0.84%0.23%1.13%+80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.76%0.78%0.70%0.65%0.64%0.57%0.49%0.37%-28 bps
Capital
Risk-Based Capital8.76%8.55%8.92%9.12%9.29%9.34%9.86%7.78%-135 bps
Net Worth / Assets8.76%8.55%8.92%9.12%9.29%9.34%9.86%7.78%-135 bps
Liquidity & Funding
Loans / Shares68.77%65.10%69.64%70.41%71.07%71.17%74.48%70.83%+42 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps