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Wesley Ame Zion

Philadelphia, PA · Charter 14430

NCUA · 1 branch

Q3 2016

$86KAssets
$0KLoans
$63KShares
$23KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -12.99%, down 217 bps year over year; NIM at 0.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 27.06%, down 176 bps from a year ago.
  • Funding: loans stand at 0.74% of shares as of Q3 2016.

Financial Results

Return on Assets (quarter, annualized)

-12.99%-217 bps YoY

Net Interest Margin (quarter, annualized)

0.20%-21 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

27.06%-176 bps YoY

Discrete quarter, annualized.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-10.82%-7.96%-3.54%-3.81%-12.99%-217 bps
Return on Equity-37.53%-29.98%-12.63%-11.01%-47.98%-1,045 bps
Net Interest Margin0.41%0.35%0.20%0.20%0.20%-21 bps
Efficiency Ratio2750%2361%1900%n/an/an/a
Growth
Asset Growth (YoY)3.14%7.32%-4.55%-24.35%-22.79%-2,593 bps
Loan Growth (YoY)-69.66%-68.74%-74.55%-80.04%-81.83%-1,217 bps
Share Growth (YoY)18.12%15.24%5.78%-29.37%-19.67%-3,780 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans130.66%160.20%270%430%719%+58,852 bps
Capital
Risk-Based Capital28.82%26.55%28.04%34.60%27.06%-176 bps
Net Worth / Assets28.82%26.55%28.04%34.60%27.06%-176 bps
Liquidity & Funding
Loans / Shares3.26%2.59%1.59%1.36%0.74%-252 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps