Philadelphia, PA · Charter 14566
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.11% | 4.20% | 4.06% | 4.01% | 4.10% | +99 bps | |
| Efficiency Ratio | 97.90% | 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 / Loans | 20.78% | 14.44% | 17.42% | 13.93% | 15.23% | -555 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 4.00% | 2.82% | 2.21% | 0.62% | +54 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.23% | 16.61% | 19.42% | 19.66% | 21.44% | +321 bps | |
| Net Worth / Assets | 18.23% | 16.61% | 19.42% | 19.66% | 21.44% | +321 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.91% | 77.69% | 73.81% | 71.97% | 69.67% | -224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |