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 | |