Washington, DC · Charter 648
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 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=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
5
Profitability
19
Liquidity
66
Efficiency
1
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.
Washington, DC · Charter 648
NCUA · 1 branch
Q3 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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.24% | -1.87% | -2.75% | -3.14% | -3.46% | -122 bps | |
| Return on Equity | -22.65% | -20.73% | -52.14% | -67.54% | -94.79% | -7,214 bps | |
| Net Interest Margin | 2.99% | 4.69% | 5.06% | 3.53% | 3.67% | +68 bps | |
| Efficiency Ratio | 204% | 117.92% | 151.26% | 167.36% | 187.84% | -1,584 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.00% | -12.32% | -15.30% | -16.80% | -22.59% | -2,259 bps | |
| Loan Growth (YoY) | 0.00% | -5.37% | 0.70% | 0.57% | 7.89% | +789 bps | |
| Share Growth (YoY) | 0.00% | -11.91% | -11.23% | -12.79% | -17.91% | -1,791 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 3.88% | 8.69% | 3.65% | 3.83% | +229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 1.85% | 6.95% | 6.88% | 6.69% | +605 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.88% | 9.04% | 5.28% | 4.64% | 3.65% | -623 bps | |
| Net Worth / Assets | 9.88% | 9.04% | 5.28% | 4.64% | 3.65% | -623 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.29% | 61.24% | 64.54% | 65.24% | 62.15% | +1,486 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Washington, DC · Charter 648 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
-3.47%
Rank 1,734 of 1,761
Net Interest Margin
3.67%
Rank 824 of 1,761
Efficiency Ratio
187.88%
Rank 1,744 of 1,754
Equity / Assets
3.65%
Rank 1,756 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.47% | 0.26% | 0.70% | 1.22% | Beats 2% | 1,734 / 1,761 | |
| Return on Equity | -95.03% | 2.09% | 5.52% | 9.08% | Beats 1% | 1,748 / 1,761 | |
| Net Interest Margin | 3.67% | 3.03% | 3.59% | 4.25% | Beats 53% | 824 / 1,761 | |
| Efficiency Ratio | 187.88% | 68.95% | 77.94% | 87.14% | Beats 1% | 1,744 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 3.83% | 0.26% | 0.65% | 1.27% | Beats 5% | 1,667 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 3.65% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,756 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 3.65% | 10.05% | 12.42% | 15.87% | Beats 0% | 1,756 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.15% | 56.21% | 73.13% | 85.64% | 33rd pctl | 1,183 / 1,759 | |
| Loans / Assets | 60.25% | 47.85% | 62.48% | 73.19% | 46th pctl | 949 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||