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C P V Emp

Philadelphia, PA · Charter 18714

Q2 2005

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 2005, the quarter ended June 30, 2005, 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

C P V Emp

Philadelphia, PA · Charter 18714

Q2 2005

$49KAssets
$3KLoans
$39KShares
$9KNet 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 -26.74%, down 2,739 bps year over year; NIM at 1.75%.
  • Asset quality: problem loans at 0.00% of loans (-811 bps YoY).
  • Capital: net worth / assets of 18.29%, down 3,967 bps from a year ago.
  • Funding: loans stand at 8.06% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-26.74%-2,739 bps YoY

Net Interest Margin (YTD, annualized)

1.75%-616 bps YoY

Efficiency Ratio (YTD, annualized)

219%+12,649 bps YoY

Net Worth / Assets

18.29%-3,967 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.64%-0.56%-2.67%-0.13%-26.74%-2,739 bps
Return on Equity1.11%-0.83%-3.22%-0.16%-146.20%-14,730 bps
Net Interest Margin7.91%8.16%9.20%4.92%1.75%-616 bps
Efficiency Ratio92.06%106.81%128.69%102.58%219%+12,649 bps
Growth
Asset Growth (YoY)-56.69%-58.25%-63.36%-49.99%71.49%+12,818 bps
Loan Growth (YoY)-21.50%-27.23%-53.67%-50.95%-82.53%-6,103 bps
Share Growth (YoY)-76.29%-81.46%-91.37%-84.39%241%+31,681 bps
Asset Quality
Delinquent Loans / Loans8.11%20.48%28.31%47.81%0.00%-811 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans8.14%9.57%13.23%13.36%70.92%+6,277 bps
Capital
Risk-Based Capital57.96%68.28%83.11%81.28%18.29%-3,967 bps
Net Worth / Assets57.96%68.28%83.11%81.28%18.29%-3,967 bps
Liquidity & Funding
Loans / Shares157.10%200%361%333%8.06%-14,904 bps
Liquid Assets / Assets29.09%40.69%47.76%49.38%13.64%-1,545 bps