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 | |