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R T C

Philadelphia, PA · Charter 16563

Q2 2012

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: 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.

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

R T C

Philadelphia, PA · Charter 16563

Q2 2012

$16KAssets
$11KLoans
$15KShares
$1KNet 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 -29.06%, down 2,667 bps year over year; NIM at 8.25%.
  • Asset quality: problem loans at 64.88% of loans (+6,488 bps YoY).
  • Capital: net worth / assets of 5.71%, down 2,668 bps from a year ago.
  • Funding: loans stand at 74.79% of shares as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-29.06%-2,667 bps YoY

Net Interest Margin (YTD, annualized)

8.25%+825 bps YoY

Efficiency Ratio (YTD, annualized)

448%

Net Worth / Assets

5.71%-2,668 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
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 Margin0.00%5.87%10.08%7.67%8.25%+825 bps
Efficiency Ration/a172.75%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 / Loans0.00%87.09%63.47%40.74%64.88%+6,488 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.64%14.18%15.77%22.62%27.07%+2,243 bps
Capital
Risk-Based Capital32.38%11.42%17.83%18.26%5.71%-2,668 bps
Net Worth / Assets32.38%11.42%17.83%18.26%5.71%-2,668 bps
Liquidity & Funding
Loans / Shares77.50%87.25%112.56%89.17%74.79%-271 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps