Philadelphia, PA · Charter 11784
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 1.73% | -0.49% | -0.23% | -14.77% | -1,528 bps | |
| Return on Equity | 2.69% | 9.23% | -2.64% | -1.30% | -219% | -22,154 bps | |
| Net Interest Margin | 8.42% | 7.97% | 7.68% | 8.01% | 9.32% | +90 bps | |
| Efficiency Ratio | 94.08% | 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 / Loans | 3.13% | 5.04% | 0.97% | 2.54% | 12.08% | +895 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.53% | 1.42% | 0.78% | 16.58% | +1,511 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.92% | 18.77% | 18.54% | 17.90% | 6.75% | -1,217 bps | |
| Net Worth / Assets | 18.92% | 18.77% | 18.54% | 17.90% | 6.75% | -1,217 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.82% | 80.95% | 94.02% | 87.85% | 88.78% | +95 bps | |
| Liquid Assets / Assets | 30.71% | 35.01% | 25.39% | 27.95% | 31.29% | +58 bps | |