Fairfax, VA · Charter 24658
NCUA · 4 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
76
Asset Quality
30
Profitability
49
Liquidity
0
Efficiency
66
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.
Fairfax, VA · Charter 24658
NCUA · 4 branches
Q4 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.98% | 0.87% | 0.74% | 0.78% | -39 bps | |
| Return on Equity | 7.83% | 6.42% | 5.50% | 4.65% | 4.81% | -301 bps | |
| Net Interest Margin | 3.25% | 3.40% | 3.44% | 3.47% | 3.51% | +25 bps | |
| Efficiency Ratio | 68.53% | 73.53% | 72.72% | 71.86% | 73.32% | +480 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.18% | -0.38% | 0.09% | -1.68% | -3.11% | -729 bps | |
| Loan Growth (YoY) | 6.74% | 4.12% | 1.52% | -0.68% | -3.55% | -1,029 bps | |
| Share Growth (YoY) | -0.26% | 0.48% | -1.94% | -7.26% | -7.02% | -676 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.56% | 0.70% | 1.02% | 1.18% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.02% | 15.26% | 15.75% | 15.93% | 16.28% | +126 bps | |
| Net Worth / Assets | 15.02% | 15.26% | 15.75% | 15.93% | 16.28% | +126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 112.44% | 112.35% | 116.35% | 117.64% | 116.64% | +420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairfax, VA · Charter 24658 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 4 branches
Q4 2024
Return on Assets
0.78%
Rank 742 of 1,724
Net Interest Margin
3.51%
Rank 944 of 1,723
Efficiency Ratio
73.32%
Rank 586 of 1,721
Equity / Assets
16.28%
Rank 411 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.25% | 0.67% | 1.13% | Beats 57% | 742 / 1,724 | |
| Return on Equity | 4.81% | 1.95% | 5.34% | 8.54% | Beats 46% | 927 / 1,723 | |
| Net Interest Margin | 3.51% | 3.03% | 3.61% | 4.27% | Beats 45% | 944 / 1,723 | |
| Efficiency Ratio | 73.32% | 69.84% | 78.36% | 87.50% | Beats 66% | 586 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.18% | 0.28% | 0.70% | 1.38% | Beats 30% | 1,209 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 16.28% | 10.16% | 12.41% | 16.03% | Beats 76% | 412 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 16.28% | 10.15% | 12.41% | 16.03% | Beats 76% | 411 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 116.64% | 55.95% | 72.66% | 85.34% | 99th pctl | 11 / 1,722 | |
| Loans / Assets | 79.38% | 47.91% | 62.00% | 72.82% | 89th pctl | 189 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||