Jenkintown, PA · Charter 12701
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Jenkintown, PA · Charter 12701
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.49% | -1.64% | -2.18% | -0.89% | -1.49% | -100 bps | |
| Return on Equity | -5.16% | -17.96% | -21.19% | -10.02% | -16.26% | -1,109 bps | |
| Net Interest Margin | 1.73% | 0.91% | 1.33% | 1.01% | 1.07% | -65 bps | |
| Efficiency Ratio | 120.32% | 280% | 248% | 188.14% | 239% | +11,886 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.13% | -4.44% | -23.16% | -18.19% | -26.87% | -2,800 bps | |
| Loan Growth (YoY) | 8.79% | -37.61% | -45.44% | -42.15% | -58.37% | -6,716 bps | |
| Share Growth (YoY) | 2.20% | -3.13% | -23.11% | -17.42% | -26.66% | -2,885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.68% | 12.73% | 10.41% | 7.18% | 16.89% | +221 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.69% | 14.15% | 16.80% | 17.59% | 20.86% | +1,218 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.50% | 9.13% | 10.28% | 8.85% | 9.18% | -31 bps | |
| Net Worth / Assets | 9.50% | 9.13% | 10.28% | 8.85% | 9.18% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 7.75% | 5.04% | 5.33% | 4.73% | 4.40% | -335 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |