Philadelphia, PA · Charter 12467
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | -8.28% | -7.40% | 4.69% | 3.49% | +422 bps | |
| Return on Equity | -6.66% | -51.41% | -48.11% | 28.26% | 20.78% | +2,744 bps | |
| Net Interest Margin | 3.31% | 2.94% | 3.88% | 3.78% | 2.87% | -43 bps | |
| Efficiency Ratio | 120.84% | 3.93% | 10.06% | 37.80% | 39.18% | -8,166 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.56% | -14.67% | -15.84% | -12.02% | -3.76% | +1,079 bps | |
| Loan Growth (YoY) | -12.10% | -5.05% | -7.44% | -4.79% | -4.70% | +740 bps | |
| Share Growth (YoY) | -19.46% | -19.56% | -21.14% | -18.46% | -5.23% | +1,423 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 75.63% | 48.76% | 49.91% | 65.53% | 65.92% | -971 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 25.15% | 16.41% | 17.29% | 18.14% | 18.38% | -677 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.97% | 16.11% | 15.38% | 16.60% | 16.81% | +584 bps | |
| Net Worth / Assets | 10.97% | 16.11% | 15.38% | 16.60% | 16.81% | +584 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.33% | 46.91% | 45.75% | 40.80% | 40.56% | +23 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |