Philadelphia, PA · Charter 16563
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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 16563
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.39% | -4.71% | -3.28% | 5.36% | -29.06% | -2,667 bps | |
| Return on Equity | -7.37% | -41.25% | -18.41% | 29.34% | -509% | -50,187 bps | |
| Net Interest Margin | 0.00% | 5.87% | 10.08% | 7.67% | 8.25% | +825 bps | |
| Efficiency Ratio | n/a | 172.75% | 130.07% | 31.71% | 448% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 20.61% | -2.40% | -26.28% | -31.36% | -47.72% | -6,833 bps | |
| Loan Growth (YoY) | -9.38% | 25.77% | 21.28% | -15.45% | -29.37% | -1,999 bps | |
| Share Growth (YoY) | 17.32% | 16.35% | -16.50% | -26.52% | -26.80% | -4,412 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 87.09% | 63.47% | 40.74% | 64.88% | +6,488 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.64% | 14.18% | 15.77% | 22.62% | 27.07% | +2,243 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.38% | 11.42% | 17.83% | 18.26% | 5.71% | -2,668 bps | |
| Net Worth / Assets | 32.38% | 11.42% | 17.83% | 18.26% | 5.71% | -2,668 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.50% | 87.25% | 112.56% | 89.17% | 74.79% | -271 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |