PackageTrendsPeer
Letter portraitLegal landscape

St. Thomas More

Arlington, VA · Charter 20157

NCUA · 1 branch

Q4 2023

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: Q4 2023, the quarter ended December 31, 2023, 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

St. Thomas More

Arlington, VA · Charter 20157

NCUA · 1 branch

Q4 2023

$2KAssets
$0KLoans
$0KShares
$2KNet 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 -12121.36%, down 1,211,894 bps year over year; NIM at -4658.95%.
  • Capital: net worth / assets of 100.00%, up 5,657 bps from a year ago.

Financial Results

Return on Assets (YTD, annualized)

-12121%-1,211,894 bps YoY

Net Interest Margin (YTD, annualized)

-4659%-465,791 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

100.00%+5,657 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets-2.41%2.69%-91.49%-14516%-12121%-1,211,894 bps
Return on Equity-5.55%5.63%-291%-14516%-12121%-1,211,580 bps
Net Interest Margin-1.04%4.47%2.67%-5585%-4659%-465,791 bps
Efficiency Ration/a39.80%n/an/an/an/a
Growth
Asset Growth (YoY)-8.65%-13.79%-38.93%-99.57%-99.61%-9,095 bps
Loan Growth (YoY)13.17%-7.09%-100.00%-100.00%-100.00%-11,317 bps
Share Growth (YoY)-11.70%-23.51%-17.89%-100.00%-100.00%-8,830 bps
Asset Quality
Delinquent Loans / Loans4.80%13.88%n/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans18.07%22.23%n/an/an/an/a
Capital
Risk-Based Capital43.43%47.76%31.48%100.00%100.00%+5,657 bps
Net Worth / Assets43.43%47.76%31.48%100.00%100.00%+5,657 bps
Liquidity & Funding
Loans / Shares52.14%50.37%0.00%n/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps