PackageTrendsPeer
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U of P

Philadelphia, PA · Charter 11803

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

U of P

Philadelphia, PA · Charter 11803

NCUA · 1 branch

Q3 2017

$25.9MAssets
$4.7MLoans
$23.4MShares
$2.4MNet 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 -1.05%, down 74 bps year over year; NIM at 2.32%.
  • Asset quality: problem loans at 0.09% of loans (-70 bps YoY).
  • Capital: net worth / assets of 9.12%, down 108 bps from a year ago.
  • Funding: loans stand at 19.97% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-1.05%-74 bps YoY

Net Interest Margin (YTD, annualized)

2.32%+13 bps YoY

Efficiency Ratio (YTD, annualized)

125.25%+1,705 bps YoY

Net Worth / Assets

9.12%-108 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.31%-0.35%-0.49%-0.39%-1.05%-74 bps
Return on Equity-3.09%-3.44%-5.03%-3.95%-11.54%-846 bps
Net Interest Margin2.19%2.24%2.25%2.33%2.32%+13 bps
Efficiency Ratio108.20%108.81%114.21%110.29%125.25%+1,705 bps
Growth
Asset Growth (YoY)8.65%3.87%1.13%1.96%1.82%-683 bps
Loan Growth (YoY)-0.02%4.97%8.96%11.69%11.95%+1,197 bps
Share Growth (YoY)10.02%4.65%1.93%2.96%3.06%-696 bps
Asset Quality
Delinquent Loans / Loans0.79%0.47%0.33%0.20%0.09%-70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.82%0.80%0.85%0.82%1.49%+67 bps
Capital
Risk-Based Capital10.20%10.25%9.76%9.78%9.12%-108 bps
Net Worth / Assets10.20%10.25%9.76%9.78%9.12%-108 bps
Liquidity & Funding
Loans / Shares18.39%20.02%18.40%20.05%19.97%+159 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps