Arlington, VA · Charter 20157
NCUA · 1 branch
Q4 2023
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Arlington, VA · Charter 20157
NCUA · 1 branch
Q4 2023
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.71% | -3.26% | -3.10% | -2.41% | 2.69% | -91.49% | -14516% | -12121% | -1,211,894 bps | |
| Return on Equity | -4.04% | -7.54% | -7.26% | -5.55% | 5.63% | -291% | -14516% | -12121% | -1,211,580 bps | |
| Net Interest Margin | -0.12% | -1.68% | -1.74% | -1.04% | 4.47% | 2.67% | -5585% | -4659% | -465,791 bps | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 39.80% | n/a | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.91% | -9.93% | -9.30% | -8.65% | -13.79% | -38.93% | -99.57% | -99.61% | -9,095 bps | |
| Loan Growth (YoY) | -9.16% | -27.39% | -28.20% | 13.17% | -7.09% | -100.00% | -100.00% | -100.00% | -11,317 bps | |
| Share Growth (YoY) | -9.88% | -13.00% | -11.18% | -11.70% | -23.51% | -17.89% | -100.00% | -100.00% | -8,830 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.03% | 7.33% | 7.80% | 4.80% | 13.88% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 28.69% | 24.16% | 27.40% | 18.07% | 22.23% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 42.42% | 43.21% | 42.73% | 43.43% | 47.76% | 31.48% | 100.00% | 100.00% | +5,657 bps | |
| Net Worth / Assets | 42.42% | 43.21% | 42.73% | 43.43% | 47.76% | 31.48% | 100.00% | 100.00% | +5,657 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.46% | 37.99% | 33.15% | 52.14% | 50.37% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |