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Bright Hope

Philadelphia, PA · Charter 12447

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Bright Hope

Philadelphia, PA · Charter 12447

NCUA · 1 branch

Q3 2016

$336KAssets
$248KLoans
$277KShares
$59KNet 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 -0.59%, down 112 bps year over year; NIM at 6.85%.
  • Asset quality: problem loans at 16.27% of loans (+1,426 bps YoY).
  • Capital: net worth / assets of 17.50%, up 216 bps from a year ago.
  • Funding: loans stand at 89.46% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.59%-112 bps YoY

Net Interest Margin (YTD, annualized)

6.85%+94 bps YoY

Efficiency Ratio (YTD, annualized)

107.80%+1,679 bps YoY

Net Worth / Assets

17.50%+216 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.53%0.16%1.42%-0.84%-0.59%-112 bps
Return on Equity3.47%1.06%9.09%-5.15%-3.36%-684 bps
Net Interest Margin5.91%5.93%5.19%6.27%6.85%+94 bps
Efficiency Ratio91.02%97.33%78.26%111.94%107.80%+1,679 bps
Growth
Asset Growth (YoY)-13.80%-12.03%-13.11%-15.74%-15.81%-202 bps
Loan Growth (YoY)-4.37%-5.13%-8.93%-9.03%-10.36%-599 bps
Share Growth (YoY)-16.02%-14.24%-15.87%-18.05%-17.76%-174 bps
Asset Quality
Delinquent Loans / Loans2.01%24.18%39.67%3.21%16.27%+1,426 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.09%4.23%4.36%4.50%4.56%+47 bps
Capital
Risk-Based Capital15.34%15.00%15.67%16.36%17.50%+216 bps
Net Worth / Assets15.34%15.00%15.67%16.36%17.50%+216 bps
Liquidity & Funding
Loans / Shares82.08%79.03%78.55%84.26%89.46%+738 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps