Philadelphia, PA · Charter 18530
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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 18530
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.84% | 2.14% | 0.51% | 3.52% | 3.24% | -160 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 7.10% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.90% | 6.62% | 6.27% | n/a | |
| Efficiency Ratio | n/a | n/a | 89.50% | 46.80% | 48.29% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.80% | -7.74% | -10.43% | -2.82% | 4.31% | +812 bps | |
| Loan Growth (YoY) | -32.83% | -41.55% | -27.01% | -1.62% | 13.05% | +4,587 bps | |
| Share Growth (YoY) | -13.72% | -17.51% | -21.84% | -10.12% | -0.60% | +1,312 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.12% | 11.52% | 5.70% | 5.80% | 5.77% | +266 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.02% | 4.35% | 4.18% | 3.48% | 1.55% | -147 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 45.66% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 45.66% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.06% | 76.00% | 88.72% | 102.41% | 99.01% | +1,195 bps | |
| Liquid Assets / Assets | 40.93% | 43.17% | 0.23% | 0.22% | 45.93% | +500 bps | |