PackageTrendsPeer
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Fairfax County Emp Credit Union Inc.

Fairfax, VA · Charter 66947

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Fairfax County Emp Credit Union Inc.

Fairfax, VA · Charter 66947

Q2 2001

$105.2MAssets
$75.9MLoans
$91.6MShares
$13.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 35 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 0.88% of loans (-7 bps YoY).
  • Capital: net worth / assets of 12.39%.
  • Funding: loans stand at 82.85% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

0.01%-35 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-40 bps YoY

Efficiency Ratio (YTD, annualized)

76.47%+1,404 bps YoY

Net Worth / Assets

12.39%

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.58%0.36%-0.02%0.36%0.65%0.61%-0.47%0.01%-35 bps
Return on Equityn/an/an/an/an/a4.46%-3.62%0.06%n/a
Net Interest Margin4.42%4.48%4.85%4.68%4.87%4.62%4.60%4.28%-40 bps
Efficiency Ratio70.19%68.72%65.69%62.43%60.32%61.33%89.43%76.47%+1,404 bps
Growth
Asset Growth (YoY)15.20%12.61%9.63%11.69%8.34%12.67%15.91%17.33%+564 bps
Loan Growth (YoY)18.42%17.76%16.03%12.70%15.65%12.60%11.36%7.05%-565 bps
Share Growth (YoY)19.50%15.27%12.57%14.23%8.84%14.05%17.90%20.16%+593 bps
Asset Quality
Delinquent Loans / Loans1.69%1.75%1.29%0.95%0.93%1.06%1.15%0.88%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.39%1.75%1.58%1.55%1.54%1.68%1.68%1.67%+12 bps
Capital
Risk-Based Capitaln/an/an/an/an/a13.73%13.03%12.39%n/a
Net Worth / Assetsn/an/an/an/an/a13.73%13.03%12.39%n/a
Liquidity & Funding
Loans / Shares92.84%93.74%93.86%93.00%98.64%92.55%88.66%82.85%-1,015 bps
Liquid Assets / Assets12.36%10.39%9.98%4.65%7.74%14.86%14.27%18.41%+1,376 bps