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V A Hospital Phila

Philadelphia, PA · Charter 11784

Q4 2004

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: Q4 2004, the quarter ended December 31, 2004, 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 2026-10-10

V A Hospital Phila

Philadelphia, PA · Charter 11784

Q4 2004

$1.2MAssets
$953KLoans
$1.1MShares
$79KNet 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 -14.77%, down 1,528 bps year over year; NIM at 9.32%.
  • Asset quality: problem loans at 12.08% of loans (+895 bps YoY).
  • Capital: net worth / assets of 6.75%, down 1,217 bps from a year ago.
  • Funding: loans stand at 88.78% of shares as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

-14.77%-1,528 bps YoY

Net Interest Margin (YTD, annualized)

9.32%+90 bps YoY

Efficiency Ratio (YTD, annualized)

120.74%+2,666 bps YoY

Net Worth / Assets

6.75%-1,217 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.51%1.73%-0.49%-0.23%-14.77%-1,528 bps
Return on Equity2.69%9.23%-2.64%-1.30%-219%-22,154 bps
Net Interest Margin8.42%7.97%7.68%8.01%9.32%+90 bps
Efficiency Ratio94.08%78.52%106.26%102.86%120.74%+2,666 bps
Growth
Asset Growth (YoY)5.26%1.42%2.29%0.76%-12.07%-1,732 bps
Loan Growth (YoY)10.02%19.78%13.99%20.75%4.14%-588 bps
Share Growth (YoY)4.28%0.44%0.61%2.09%3.02%-125 bps
Asset Quality
Delinquent Loans / Loans3.13%5.04%0.97%2.54%12.08%+895 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.48%1.53%1.42%0.78%16.58%+1,511 bps
Capital
Risk-Based Capital18.92%18.77%18.54%17.90%6.75%-1,217 bps
Net Worth / Assets18.92%18.77%18.54%17.90%6.75%-1,217 bps
Liquidity & Funding
Loans / Shares87.82%80.95%94.02%87.85%88.78%+95 bps
Liquid Assets / Assets30.71%35.01%25.39%27.95%31.29%+58 bps