Philadelphia, PA · Charter 13211
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 1.38% | 0.25% | -1.54% | -1.37% | -246 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -15.21% | -21.91% | -23.57% | -18.97% | -18.80% | -358 bps | |
| Loan Growth (YoY) | 28.76% | 25.47% | 21.97% | 3.89% | -41.22% | -6,998 bps | |
| Share Growth (YoY) | -16.41% | -23.39% | -25.06% | -19.97% | -19.72% | -331 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.08% | 2.52% | 3.84% | 8.29% | 13.24% | +917 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.50% | 1.75% | 2.08% | 2.50% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.37% | 92.60% | 81.89% | 71.49% | 59.57% | -2,179 bps | |
| Liquid Assets / Assets | 17.25% | 14.38% | 21.43% | 30.90% | 39.50% | +2,225 bps | |