PackageTrendsPeer
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E C A I

Philadelphia, PA · Charter 16920

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

E C A I

Philadelphia, PA · Charter 16920

NCUA · 1 branch

Q3 2016

$855KAssets
$424KLoans
$751KShares
$102KNet Worth

Executive Summary

  • Earnings: ROA of 0.78%, down 2 bps year over year; NIM at 1.92%.
  • Asset quality: problem loans at 0.00% of loans (-3,077 bps YoY).
  • Capital: net worth / assets of 11.91%, up 91 bps from a year ago.
  • Funding: loans stand at 56.53% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

0.78%-2 bps YoY

Net Interest Margin (YTD, annualized)

1.92%+2 bps YoY

Efficiency Ratio (YTD, annualized)

59.61%+161 bps YoY

Net Worth / Assets

11.91%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.03%0.42%0.67%0.80%1.04%1.38%0.77%0.78%-2 bps
Return on Equity10.01%3.98%6.30%7.27%9.05%12.05%6.68%6.52%-76 bps
Net Interest Margin2.29%1.90%1.86%1.90%2.14%2.27%2.12%1.92%+2 bps
Efficiency Ratio56.86%77.92%63.89%58.00%51.80%39.20%63.49%59.61%+161 bps
Growth
Asset Growth (YoY)4.03%4.38%3.15%3.42%-1.53%3.40%1.21%0.92%-250 bps
Loan Growth (YoY)28.13%16.89%-4.74%-5.02%-1.61%-8.80%-11.18%-10.89%-588 bps
Share Growth (YoY)3.62%3.89%2.43%2.78%-2.85%2.10%0.02%-0.31%-309 bps
Asset Quality
Delinquent Loans / Loans17.52%2.64%20.89%30.77%0.00%0.00%0.00%0.00%-3,077 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.89%0.96%0.97%1.11%0.99%1.15%1.20%1.25%+14 bps
Capital
Risk-Based Capital10.27%10.56%10.64%11.00%11.46%11.46%11.58%11.91%+91 bps
Net Worth / Assets10.27%10.56%10.64%11.00%11.46%11.46%11.58%11.91%+91 bps
Liquidity & Funding
Loans / Shares70.54%66.58%65.26%63.25%71.44%59.47%57.95%56.53%-672 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps