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Fairfax City

Fairfax, VA · Charter 18665

NCUA · 1 branch

Q2 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: Q2 2017, the quarter ended June 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

Fairfax City

Fairfax, VA · Charter 18665

NCUA · 1 branch

Q2 2017

$1.5MAssets
$1.2MLoans
$1.3MShares
$162KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -12.86%, down 1,341 bps year over year; NIM at 5.46%.
  • Asset quality: problem loans at 0.00% of loans (-69 bps YoY).
  • Capital: net worth / assets of 10.67%, down 41 bps from a year ago.
  • Funding: loans stand at 95.21% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-12.86%-1,341 bps YoY

Net Interest Margin (YTD, annualized)

5.46%+170 bps YoY

Efficiency Ratio (YTD, annualized)

344%+25,735 bps YoY

Net Worth / Assets

10.67%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.54%0.55%0.49%0.02%-12.86%-1,341 bps
Return on Equity4.92%4.74%4.08%0.19%-120.59%-12,551 bps
Net Interest Margin3.76%3.99%3.98%3.98%5.46%+170 bps
Efficiency Ratio86.39%87.01%88.50%99.45%344%+25,735 bps
Growth
Asset Growth (YoY)0.83%-6.14%-7.44%-4.52%-34.15%-3,498 bps
Loan Growth (YoY)-5.67%-3.53%-6.60%-8.45%0.74%+641 bps
Share Growth (YoY)0.51%-7.36%-8.67%-5.32%-37.76%-3,827 bps
Asset Quality
Delinquent Loans / Loans0.69%0.65%0.52%0.00%0.00%-69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%0.82%0.83%0.86%0.83%-1 bps
Capital
Risk-Based Capital11.07%11.60%11.92%11.66%10.67%-41 bps
Net Worth / Assets11.07%11.60%11.92%11.66%10.67%-41 bps
Liquidity & Funding
Loans / Shares58.83%62.33%62.93%59.71%95.21%+3,638 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps