Woodbrige, VA · Charter 66975
NCUA · 2 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
69
Asset Quality
34
Profitability
46
Liquidity
26
Efficiency
60
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.
Woodbrige, VA · Charter 66975
NCUA · 2 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 | 0.47% | -0.10% | 0.30% | 0.43% | 0.53% | +6 bps | |
| Return on Equity | 3.06% | -0.69% | 2.02% | 2.89% | 3.53% | +48 bps | |
| Net Interest Margin | 3.23% | 3.77% | 3.89% | 3.90% | 3.84% | +61 bps | |
| Efficiency Ratio | 84.26% | 82.51% | 78.01% | 76.03% | 75.52% | -874 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.54% | -3.57% | -3.70% | 2.64% | 5.40% | +1,094 bps | |
| Loan Growth (YoY) | 23.41% | 19.78% | 17.05% | 13.81% | 9.13% | -1,428 bps | |
| Share Growth (YoY) | -8.08% | -5.29% | -5.56% | -0.23% | 4.56% | +1,264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 1.41% | 0.93% | 0.94% | 1.06% | -47 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 | 15.22% | 15.03% | 15.05% | 14.98% | 14.90% | -32 bps | |
| Net Worth / Assets | 15.22% | 15.03% | 15.05% | 14.98% | 14.90% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.35% | 47.61% | 48.22% | 50.00% | 49.42% | +207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Woodbrige, VA · Charter 66975 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
Return on Assets
0.53%
Rank 1,015 of 1,724
Net Interest Margin
3.84%
Rank 682 of 1,723
Efficiency Ratio
75.51%
Rank 690 of 1,721
Equity / Assets
14.90%
Rank 536 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.25% | 0.67% | 1.13% | Beats 41% | 1,015 / 1,724 | |
| Return on Equity | 3.53% | 1.95% | 5.34% | 8.54% | Beats 36% | 1,100 / 1,723 | |
| Net Interest Margin | 3.84% | 3.03% | 3.61% | 4.27% | Beats 60% | 682 / 1,723 | |
| Efficiency Ratio | 75.51% | 69.84% | 78.36% | 87.50% | Beats 60% | 690 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.06% | 0.28% | 0.70% | 1.38% | Beats 34% | 1,140 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.90% | 10.16% | 12.41% | 16.03% | Beats 69% | 537 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.90% | 10.15% | 12.41% | 16.03% | Beats 69% | 536 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 49.42% | 55.95% | 72.66% | 85.34% | 18th pctl | 1,417 / 1,722 | |
| Loans / Assets | 43.03% | 47.91% | 62.00% | 72.82% | 19th pctl | 1,396 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||