Philadelphia, PA · Charter 11500
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Philadelphia, PA · Charter 11500
Q3 2014
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -0.82% | -1.35% | -0.75% | -0.99% | -33 bps | |
| Return on Equity | -7.75% | -9.41% | -17.48% | -9.78% | -13.30% | -554 bps | |
| Net Interest Margin | 2.34% | 2.39% | 2.20% | 1.86% | 1.87% | -47 bps | |
| Efficiency Ratio | 117.28% | 121.16% | 154.73% | 128.05% | 137.49% | +2,022 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.39% | -1.25% | -2.78% | 0.75% | 0.31% | -7 bps | |
| Loan Growth (YoY) | -17.63% | -17.17% | -24.78% | -35.87% | -25.33% | -770 bps | |
| Share Growth (YoY) | 0.08% | -0.63% | -2.23% | 1.43% | 1.59% | +152 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 6.36% | 5.10% | 6.04% | 5.39% | +420 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.49% | 2.79% | 3.10% | 3.67% | 3.34% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.50% | 8.72% | 7.75% | 7.72% | 7.45% | -105 bps | |
| Net Worth / Assets | 8.50% | 8.72% | 7.75% | 7.72% | 7.45% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.31% | 17.44% | 14.38% | 12.16% | 13.46% | -485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |