Philadelphia, PA · Charter 13713
NCUA
Q1 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | -20.23% | -16.12% | -16.10% | -65.51% | -6,688 bps | |
| Return on Equity | 3.60% | -50.24% | -35.41% | -33.71% | -168.18% | -17,178 bps | |
| Net Interest Margin | 3.70% | 5.00% | 5.28% | 5.12% | 3.84% | +14 bps | |
| Efficiency Ratio | 63.80% | 107.43% | 118.40% | 167.76% | 55.30% | -849 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.80% | -27.82% | -37.38% | -39.63% | -48.98% | -4,978 bps | |
| Loan Growth (YoY) | -13.03% | -22.15% | -25.38% | -22.98% | -67.56% | -5,454 bps | |
| Share Growth (YoY) | 9.91% | -26.85% | -42.88% | -49.01% | -50.07% | -5,997 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 5.57% | 18.99% | 22.15% | 24.71% | 14.70% | +914 bps | |
| Capital | |||||||
| Risk-Based Capital | 38.09% | 40.27% | 45.51% | 47.76% | 38.95% | +86 bps | |
| Net Worth / Assets | 38.09% | 40.27% | 45.51% | 47.76% | 38.95% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |