Philadelphia, PA · Charter 12447
NCUA · 1 branch
Q3 2016
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.16% | 1.42% | -0.84% | -0.59% | -112 bps | |
| Return on Equity | 3.47% | 1.06% | 9.09% | -5.15% | -3.36% | -684 bps | |
| Net Interest Margin | 5.91% | 5.93% | 5.19% | 6.27% | 6.85% | +94 bps | |
| Efficiency Ratio | 91.02% | 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 / Loans | 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 |
| Allowance / Loans | 4.09% | 4.23% | 4.36% | 4.50% | 4.56% | +47 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.34% | 15.00% | 15.67% | 16.36% | 17.50% | +216 bps | |
| Net Worth / Assets | 15.34% | 15.00% | 15.67% | 16.36% | 17.50% | +216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |