Philadelphia, PA · Charter 11803
NCUA · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.14% | -0.28% | -0.31% | -0.35% | -0.49% | -0.39% | -1.05% | -74 bps | |
| Return on Equity | -3.13% | -1.33% | -2.71% | -3.09% | -3.44% | -5.03% | -3.95% | -11.54% | -846 bps | |
| Net Interest Margin | 2.43% | 2.21% | 2.19% | 2.19% | 2.24% | 2.25% | 2.33% | 2.32% | +13 bps | |
| Efficiency Ratio | 101.24% | 102.76% | 107.07% | 108.20% | 108.81% | 114.21% | 110.29% | 125.25% | +1,705 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.61% | 5.31% | 5.69% | 8.65% | 3.87% | 1.13% | 1.96% | 1.82% | -683 bps | |
| Loan Growth (YoY) | -11.06% | -8.12% | 0.58% | -0.02% | 4.97% | 8.96% | 11.69% | 11.95% | +1,197 bps | |
| Share Growth (YoY) | 4.62% | 6.42% | 6.32% | 10.02% | 4.65% | 1.93% | 2.96% | 3.06% | -696 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.33% | 0.47% | 0.79% | 0.47% | 0.33% | 0.20% | 0.09% | -70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.87% | 0.81% | 0.82% | 0.80% | 0.85% | 0.82% | 1.49% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.01% | 10.30% | 10.37% | 10.20% | 10.25% | 9.76% | 9.78% | 9.12% | -108 bps | |
| Net Worth / Assets | 11.01% | 10.30% | 10.37% | 10.20% | 10.25% | 9.76% | 9.78% | 9.12% | -108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 19.96% | 17.21% | 18.48% | 18.39% | 20.02% | 18.40% | 20.05% | 19.97% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |