FIRST BAPTIST CHURCH OF VIENNA (VA)
Charter #24535 · VIENNA, VA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 0.91% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 0.37% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 22nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 56th — a 37-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FIRST BAPTIST CHURCH OF VIENNA (VA) | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.05M | 18th pct | 56th pct |
| Members | 189 | 14th pct | 33th pct |
| Net worth ratio | 14.24% | 33th pct | 33th pct |
| Return on average assets | 0.08% | 36th pct | 34th pct |
| Net interest margin | 0.91% | 2th pct | 5th pct |
| Cost of funds | 0.37% | 43th pct | 77th pct |
| Loan-to-share | 7.88% | 4th pct | 25th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 22th pct |
| Loan growth YoY | -9.16% | 32th pct | 49th pct |
| Share growth YoY | -1.78% | 35th pct | 43th pct |
| Efficiency ratio | 94.01% | 62th pct | 59th pct |
structural peer set hash: 53f4d5c02e9f2bcb43fe1acfeb1ed1e5… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.