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Letter portraitLegal landscapeQuarterYTD

First Baptist Church of Vienna (VA)

Vienna, VA · Charter 24535

NCUA · 1 branch

Q2 2026

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

Financial Results

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.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.10%0.03%0.08%0.34%+26 bps
Return on Equity0.61%0.69%0.21%0.58%2.37%+176 bps
Net Interest Margin0.74%0.90%0.92%0.92%1.37%+63 bps
Efficiency Ratio93.81%93.17%97.93%94.01%78.70%-1,511 bps
Growth
Asset Growth (YoY)-6.51%-2.22%-2.71%-3.54%-2.58%+393 bps
Loan Growth (YoY)141.58%-20.53%-11.27%-16.65%-11.38%-15,296 bps
Share Growth (YoY)-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 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.06%3.15%3.04%3.47%3.45%+39 bps
Capital
Risk-Based Capital13.83%14.07%14.08%14.24%14.36%+52 bps
Net Worth / Assets13.83%14.07%14.08%14.24%14.36%+52 bps
Liquidity & Funding
Loans / Shares8.63%8.52%8.88%7.88%7.93%-69 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps