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First Baptist Church of Vienna (VA)

Vienna, VA · Charter 24535

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60 to 61). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

67

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

34

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

First Baptist Church of Vienna (VA)

Vienna, VA · Charter 24535

NCUA · 1 branch

Q2 2026

$1.1MAssets
$71KLoans
$890KShares
$151KNet Worth

Executive Summary

  • Earnings: ROA of 0.34%, up 26 bps year over year; NIM at 1.37%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.36%, up 52 bps from a year ago.
  • Funding: loans stand at 7.93% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.34%+26 bps YoY

Net Interest Margin (YTD, annualized)

1.37%+63 bps YoY

Efficiency Ratio (YTD, annualized)

78.70%-1,511 bps YoY

Net Worth / Assets

14.36%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.02%0.20%0.08%0.10%0.03%0.08%0.34%+26 bps
Return on Equity0.42%0.12%1.46%0.61%0.69%0.21%0.58%2.37%+176 bps
Net Interest Margin0.34%0.50%0.69%0.74%0.90%0.92%0.92%1.37%+63 bps
Efficiency Ratio95.18%98.50%87.67%93.81%93.17%97.93%94.01%78.70%-1,511 bps
Growth
Asset Growth (YoY)-7.59%-7.03%-5.79%-6.51%-2.22%-2.71%-3.54%-2.58%+393 bps
Loan Growth (YoY)68.96%110.57%125.00%141.58%-20.53%-11.27%-16.65%-11.38%-15,296 bps
Share Growth (YoY)-8.91%-8.18%-6.65%-7.35%-2.44%-3.41%-4.53%-3.62%+373 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.51%2.70%2.89%3.06%3.15%3.04%3.47%3.45%+39 bps
Capital
Risk-Based Capital13.71%13.67%13.75%13.83%14.07%14.08%14.24%14.36%+52 bps
Net Worth / Assets13.71%13.67%13.75%13.83%14.07%14.08%14.24%14.36%+52 bps
Liquidity & Funding
Loans / Shares10.47%9.66%9.03%8.63%8.52%8.88%7.88%7.93%-69 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

First Baptist Church of Vienna (VA)

Vienna, VA · Charter 24535 · Peer group: credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (n=60-61)

NCUA · 1 branch

Q2 2026

$1.1MAssets
$71KLoans
$890KShares
$151KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 11 of 60).
  • Widest gap: net interest margin trails 97% of credit unions under $1B in assets in the Washington-Arlington-Alexandria, DC-VA-MD-WV area (rank 59 of 61).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.38%

Rank 30 of 61

Net Interest Margin

1.33%

Rank 59 of 61

Efficiency Ratio

87.50%

Rank 30 of 60

Equity / Assets

14.37%

Rank 20 of 61

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.38%-0.02%0.37%0.88%Beats 51%30 / 61
Return on Equity2.65%-0.25%2.65%5.53%Beats 49%31 / 61
Net Interest Margin1.33%3.07%3.57%4.09%Beats 3%59 / 61
Efficiency Ratio87.50%71.78%87.58%95.00%Beats 52%30 / 60
Asset Quality
Nonperforming Loans / Loans0.00%0.44%1.06%1.85%Beats 100%11 / 60
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio14.37%9.78%12.37%17.30%Beats 67%20 / 61
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets14.37%9.78%12.37%17.30%Beats 67%20 / 61
Liquidity & Funding
Loans / Deposits7.98%37.27%62.33%76.91%5th pctl58 / 61
Loans / Assets6.76%30.13%54.75%64.37%5th pctl58 / 61
Brokered Deposits / Depositsn/aNot reported for this institution