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Letter portraitLegal landscapeQuarterYTD

P W C Employees Credit Union

Woodbrige, VA · Charter 66975

NCUA · 2 branches

Q4 2024

$75.6MAssets
$32.5MLoans
$65.8MShares
$11.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.53%, up 6 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 1.06% of loans (-47 bps YoY).
  • Capital: net worth / assets of 14.90%, down 32 bps from a year ago.
  • Funding: loans stand at 49.42% of shares as of Q4 2024.

Financial Results

Return on Assets (quarter, annualized)

0.53%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.84%+61 bps YoY

Efficiency Ratio (quarter, annualized)

75.52%-874 bps YoY

Net Worth / Assets

14.90%-32 bps YoY

Discrete quarter, annualized.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.47%-0.10%0.30%0.43%0.53%+6 bps
Return on Equity3.06%-0.69%2.02%2.89%3.53%+48 bps
Net Interest Margin3.23%3.77%3.89%3.90%3.84%+61 bps
Efficiency Ratio84.26%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 / Loans1.53%1.41%0.93%0.94%1.06%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.22%15.03%15.05%14.98%14.90%-32 bps
Net Worth / Assets15.22%15.03%15.05%14.98%14.90%-32 bps
Liquidity & Funding
Loans / Shares47.35%47.61%48.22%50.00%49.42%+207 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps