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Rhawnhurst

Philadelphia, PA · Charter 14566

Q3 2011

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rhawnhurst

Philadelphia, PA · Charter 14566

Q3 2011

$1.3MAssets
$705KLoans
$1.0MShares
$278KNet 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 0.80%, up 508 bps year over year; NIM at 4.10%.
  • Asset quality: problem loans at 15.23% of loans (-555 bps YoY).
  • Capital: net worth / assets of 21.44%, up 321 bps from a year ago.
  • Funding: loans stand at 69.67% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

0.80%+508 bps YoY

Net Interest Margin (YTD, annualized)

4.10%+99 bps YoY

Efficiency Ratio (YTD, annualized)

83.60%-1,430 bps YoY

Net Worth / Assets

21.44%+321 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-4.28%-3.97%1.15%1.19%0.80%+508 bps
Return on Equity-23.45%-23.90%5.93%6.04%3.74%+2,719 bps
Net Interest Margin3.11%4.20%4.06%4.01%4.10%+99 bps
Efficiency Ratio97.90%67.58%76.16%74.51%83.60%-1,430 bps
Growth
Asset Growth (YoY)-2.32%-7.64%-9.58%-9.57%-16.14%-1,382 bps
Loan Growth (YoY)23.23%32.42%7.15%-9.03%-21.85%-4,508 bps
Share Growth (YoY)-0.59%-2.91%-8.07%-9.84%-19.34%-1,875 bps
Asset Quality
Delinquent Loans / Loans20.78%14.44%17.42%13.93%15.23%-555 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.08%4.00%2.82%2.21%0.62%+54 bps
Capital
Risk-Based Capital18.23%16.61%19.42%19.66%21.44%+321 bps
Net Worth / Assets18.23%16.61%19.42%19.66%21.44%+321 bps
Liquidity & Funding
Loans / Shares71.91%77.69%73.81%71.97%69.67%-224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps