Philadelphia, PA · Charter 1186
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 1186
Q3 2006
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.76% | 0.64% | 0.64% | 0.49% | -30 bps | |
| Return on Equity | 6.18% | 5.88% | 4.97% | 4.93% | 3.74% | -244 bps | |
| Net Interest Margin | 3.79% | 3.73% | 3.56% | 3.53% | 3.48% | -32 bps | |
| Efficiency Ratio | 77.97% | 79.61% | 85.53% | 85.57% | 88.91% | +1,094 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.99% | -1.26% | -0.94% | 1.06% | 0.89% | +288 bps | |
| Loan Growth (YoY) | 5.00% | 9.73% | 7.23% | 10.07% | 2.07% | -293 bps | |
| Share Growth (YoY) | -1.95% | -2.12% | -0.16% | 2.69% | 0.70% | +264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.94% | 2.14% | 2.27% | 2.43% | 2.45% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.70% | 0.68% | 0.65% | 0.62% | -24 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.76% | 12.85% | 12.88% | 13.03% | 13.18% | +42 bps | |
| Net Worth / Assets | 12.76% | 12.85% | 12.88% | 13.03% | 13.18% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.84% | 68.01% | 65.53% | 66.11% | 66.74% | +90 bps | |
| Liquid Assets / Assets | 7.67% | 5.07% | 7.72% | 0.00% | 0.00% | -767 bps | |