Philadelphia, PA · Charter 16920
NCUA · 1 branch
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.42% | 0.67% | 0.80% | 1.04% | 1.38% | 0.77% | 0.78% | -2 bps | |
| Return on Equity | 10.01% | 3.98% | 6.30% | 7.27% | 9.05% | 12.05% | 6.68% | 6.52% | -76 bps | |
| Net Interest Margin | 2.29% | 1.90% | 1.86% | 1.90% | 2.14% | 2.27% | 2.12% | 1.92% | +2 bps | |
| Efficiency Ratio | 56.86% | 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 / Loans | 17.52% | 2.64% | 20.89% | 30.77% | 0.00% | 0.00% | 0.00% | 0.00% | -3,077 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.96% | 0.97% | 1.11% | 0.99% | 1.15% | 1.20% | 1.25% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.27% | 10.56% | 10.64% | 11.00% | 11.46% | 11.46% | 11.58% | 11.91% | +91 bps | |
| Net Worth / Assets | 10.27% | 10.56% | 10.64% | 11.00% | 11.46% | 11.46% | 11.58% | 11.91% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.54% | 66.58% | 65.26% | 63.25% | 71.44% | 59.47% | 57.95% | 56.53% | -672 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |