Washington, DC · Charter 648
NCUA · 1 branch
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.36% | -2.47% | -1.26% | -2.24% | -1.87% | -2.75% | -3.14% | -3.46% | -122 bps | |
| Return on Equity | -24.71% | -25.62% | -13.55% | -22.65% | -20.73% | -52.14% | -67.54% | -94.79% | -7,214 bps | |
| Net Interest Margin | 3.32% | 4.38% | 4.50% | 2.99% | 4.69% | 5.06% | 3.53% | 3.67% | +68 bps | |
| Efficiency Ratio | 168.62% | 104.94% | 126.70% | 204% | 117.92% | 151.26% | 167.36% | 187.84% | -1,584 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.25% | -4.61% | -6.36% | 0.00% | -12.32% | -15.30% | -16.80% | -22.59% | -2,259 bps | |
| Loan Growth (YoY) | 41.00% | 19.42% | 4.85% | 0.00% | -5.37% | 0.70% | 0.57% | 7.89% | +789 bps | |
| Share Growth (YoY) | -0.58% | -2.53% | -4.73% | 0.00% | -11.91% | -11.23% | -12.79% | -17.91% | -1,791 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.57% | 3.54% | 3.50% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 1.08% | 1.32% | 0.65% | 1.85% | 6.95% | 6.88% | 6.69% | +605 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.57% | 9.62% | 9.27% | 9.88% | 9.04% | 5.28% | 4.64% | 3.65% | -623 bps | |
| Net Worth / Assets | 9.57% | 9.62% | 9.27% | 9.88% | 9.04% | 5.28% | 4.64% | 3.65% | -623 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.01% | 56.89% | 56.57% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |