Philadelphia, PA · Charter 13234
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Philadelphia, PA · Charter 13234
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.49% | -0.35% | 0.70% | -4.83% | 0.44% | 0.00% | 0.03% | 3.51% | +834 bps | |
| Return on Equity | -48.69% | -4.93% | 7.10% | -42.45% | 3.94% | 0.00% | 0.25% | 19.85% | +6,230 bps | |
| Net Interest Margin | 0.32% | 1.02% | 0.78% | 1.21% | 0.68% | 0.00% | 0.03% | 0.03% | -118 bps | |
| Efficiency Ratio | 395% | 119.74% | 10.17% | 499% | 193.92% | n/a | 0.00% | 46.90% | -45,211 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.95% | -9.57% | -14.65% | -35.07% | -10.97% | -11.18% | -13.86% | 3.53% | +3,860 bps | |
| Loan Growth (YoY) | -24.62% | -21.81% | -26.80% | -57.78% | -49.46% | -49.46% | -38.06% | -100.00% | -4,222 bps | |
| Share Growth (YoY) | -9.36% | -9.00% | -15.66% | -36.26% | -10.34% | -8.49% | -22.94% | -0.70% | +3,556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 95.39% | 84.72% | 65.09% | 63.79% | 100.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 69.70% | 69.70% | 88.28% | 170.40% | 100.00% | 100.00% | 103.33% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 7.17% | 7.17% | 9.87% | 11.37% | 11.28% | 11.30% | 11.52% | 17.70% | +633 bps | |
| Net Worth / Assets | 7.17% | 7.17% | 9.87% | 11.37% | 11.28% | 11.30% | 11.52% | 17.70% | +633 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.25% | 11.25% | 8.64% | 7.32% | 6.34% | 6.21% | 6.95% | 0.00% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |