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Victory

Philadelphia, PA · Charter 10930

Q3 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Victory

Philadelphia, PA · Charter 10930

Q3 2008

$251KAssets
$41KLoans
$229KShares
$22KNet Worth

Executive Summary

  • Earnings: ROA of 0.38%, down 43 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.88%, up 102 bps from a year ago.
  • Funding: loans stand at 18.09% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

0.38%-43 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-20 bps YoY

Efficiency Ratio (YTD, annualized)

83.87%+1,578 bps YoY

Net Worth / Assets

8.88%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.04%2.50%0.00%0.81%0.00%2.10%0.07%0.38%-43 bps
Return on Equity0.62%35.37%0.05%10.29%0.03%26.65%0.91%4.24%-604 bps
Net Interest Margin1.80%3.86%1.66%2.54%1.74%3.56%1.69%2.34%-20 bps
Efficiency Ratio97.59%35.19%99.77%68.09%99.87%40.88%96.11%83.87%+1,578 bps
Growth
Asset Growth (YoY)-6.81%2.77%-6.52%-7.28%-11.12%-16.83%-3.04%-16.75%-947 bps
Loan Growth (YoY)13.75%-12.28%-25.33%-44.34%-39.17%-45.39%-42.76%-51.75%-741 bps
Share Growth (YoY)-7.54%2.17%-7.26%-7.40%-11.37%-17.10%-2.06%-17.46%-1,006 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.18%0.21%0.26%0.31%0.29%0.39%0.45%0.65%+34 bps
Capital
Risk-Based Capital6.98%7.06%7.42%7.87%7.30%7.89%7.20%8.88%+102 bps
Net Worth / Assets6.98%7.06%7.42%7.87%7.30%7.89%7.20%8.88%+102 bps
Liquidity & Funding
Loans / Shares48.60%38.25%37.39%30.95%33.35%25.20%21.86%18.09%-1,285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps