P W C Employees Credit Union
Woodbrige, VA · Charter 66975 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
$75.6MAssets
$32.5MLoans
$65.8MShares
$11.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 69% of credit unions under $1B in assets (rank 537 of 1724).
- Widest gap: nonperforming loans / loans trails 66% of credit unions under $1B in assets (rank 1140 of 1721).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |