Philadelphia, PA · Charter 13713
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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 13713
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -0.56% | -4.21% | 1.37% | -20.23% | -16.12% | -16.10% | -65.51% | -6,688 bps | |
| Return on Equity | 0.39% | -1.42% | -10.92% | 3.60% | -50.24% | -35.41% | -33.71% | -168.18% | -17,178 bps | |
| Net Interest Margin | 3.29% | 3.21% | 3.61% | 3.70% | 5.00% | 5.28% | 5.12% | 3.84% | +14 bps | |
| Efficiency Ratio | 95.37% | 117.05% | 124.68% | 63.80% | 107.43% | 118.40% | 167.76% | 55.30% | -849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.43% | -11.34% | -2.24% | 0.80% | -27.82% | -37.38% | -39.63% | -48.98% | -4,978 bps | |
| Loan Growth (YoY) | -0.62% | -12.84% | -14.68% | -13.03% | -22.15% | -25.38% | -22.98% | -67.56% | -5,454 bps | |
| Share Growth (YoY) | -23.40% | -16.89% | 4.58% | 9.91% | -26.85% | -42.88% | -49.01% | -50.07% | -5,997 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 36.43% | 35.26% | 21.55% | 23.80% | 22.19% | 43.20% | 53.16% | 14.39% | -941 bps | |
| 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 | 13.82% | 8.64% | 5.53% | 5.57% | 18.99% | 22.15% | 24.71% | 14.70% | +914 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 40.42% | 39.59% | 38.55% | 38.09% | 40.27% | 45.51% | 47.76% | 38.95% | +86 bps | |
| Net Worth / Assets | 40.42% | 39.59% | 38.55% | 38.09% | 40.27% | 45.51% | 47.76% | 38.95% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.92% | 70.68% | 65.06% | 62.79% | 81.87% | 92.34% | 98.29% | 40.79% | -2,200 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |