Philadelphia, PA · Charter 12450
Q1 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.22% | -0.25% | -0.25% | -3.96% | -364 bps | |
| Return on Equity | -1.47% | -1.00% | -1.12% | -1.10% | -19.19% | -1,773 bps | |
| Net Interest Margin | 3.31% | 3.31% | 3.36% | 3.43% | 0.05% | -327 bps | |
| Efficiency Ratio | 108.57% | 105.11% | 105.50% | 105.16% | 993% | +88,461 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.85% | -0.29% | -2.25% | -4.60% | -0.88% | +296 bps | |
| Loan Growth (YoY) | 5.99% | -0.20% | -5.27% | -12.57% | -5.51% | -1,150 bps | |
| Share Growth (YoY) | -4.45% | -0.76% | -2.41% | -5.32% | -0.49% | +396 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.18% | 0.38% | 0.16% | 0.48% | 0.40% | -78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 0.98% | 1.05% | 1.07% | 1.15% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.58% | 21.68% | 22.00% | 22.63% | 20.62% | -96 bps | |
| Net Worth / Assets | 21.58% | 21.68% | 22.00% | 22.63% | 20.62% | -96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.69% | 48.36% | 49.63% | 48.70% | 45.28% | -241 bps | |
| Liquid Assets / Assets | 22.55% | 22.00% | 19.38% | 23.81% | 29.14% | +659 bps | |