Philadelphia, PA · Charter 13642
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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 13642
Q2 1997
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.12% | 5.17% | 3.27% | 4.51% | -0.68% | -680 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) | n/a | n/a | -0.17% | -1.32% | -24.26% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 365% | 59.67% | -0.99% | n/a | |
| Share Growth (YoY) | n/a | n/a | 11.77% | -0.98% | -23.57% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.50% | 20.17% | 43.53% | 21.58% | 20.75% | +1,526 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.82% | 7.91% | 7.14% | 7.39% | 4.22% | +40 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 | 64.06% | 76.44% | 81.45% | 91.20% | 82.99% | +1,892 bps | |
| Liquid Assets / Assets | 28.59% | 15.38% | 0.03% | 5.21% | 1.41% | -2,719 bps | |