Philadelphia, PA · Charter 12447
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Philadelphia, PA · Charter 12447
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.30% | -0.40% | 0.15% | 0.53% | 0.16% | 1.42% | -0.84% | -0.59% | -112 bps | |
| Return on Equity | -9.97% | -3.10% | 1.05% | 3.47% | 1.06% | 9.09% | -5.15% | -3.36% | -684 bps | |
| Net Interest Margin | 5.24% | 5.33% | 5.45% | 5.91% | 5.93% | 5.19% | 6.27% | 6.85% | +94 bps | |
| Efficiency Ratio | 124.15% | 107.57% | 97.30% | 91.02% | 97.33% | 78.26% | 111.94% | 107.80% | +1,679 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.82% | -10.69% | -15.77% | -13.80% | -12.03% | -13.11% | -15.74% | -15.81% | -202 bps | |
| Loan Growth (YoY) | 0.57% | 2.02% | 1.30% | -4.37% | -5.13% | -8.93% | -9.03% | -10.36% | -599 bps | |
| Share Growth (YoY) | -11.89% | -10.98% | -17.73% | -16.02% | -14.24% | -15.87% | -18.05% | -17.76% | -174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.72% | 2.42% | 2.01% | 2.01% | 24.18% | 39.67% | 3.21% | 16.27% | +1,426 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 | 4.01% | 3.97% | 4.09% | 4.09% | 4.23% | 4.36% | 4.50% | 4.56% | +47 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.06% | 13.06% | 14.07% | 15.34% | 15.00% | 15.67% | 16.36% | 17.50% | +216 bps | |
| Net Worth / Assets | 13.06% | 13.06% | 14.07% | 15.34% | 15.00% | 15.67% | 16.36% | 17.50% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.44% | 72.56% | 75.90% | 82.08% | 79.03% | 78.55% | 84.26% | 89.46% | +738 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |