Philadelphia, PA · Charter 18714
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | -0.56% | -2.67% | -0.13% | -26.74% | -2,739 bps | |
| Return on Equity | 1.11% | -0.83% | -3.22% | -0.16% | -146.20% | -14,730 bps | |
| Net Interest Margin | 7.91% | 8.16% | 9.20% | 4.92% | 1.75% | -616 bps | |
| Efficiency Ratio | 92.06% | 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 / Loans | 8.11% | 20.48% | 28.31% | 47.81% | 0.00% | -811 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.14% | 9.57% | 13.23% | 13.36% | 70.92% | +6,277 bps | |
| Capital | |||||||
| Risk-Based Capital | 57.96% | 68.28% | 83.11% | 81.28% | 18.29% | -3,967 bps | |
| Net Worth / Assets | 57.96% | 68.28% | 83.11% | 81.28% | 18.29% | -3,967 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 157.10% | 200% | 361% | 333% | 8.06% | -14,904 bps | |
| Liquid Assets / Assets | 29.09% | 40.69% | 47.76% | 49.38% | 13.64% | -1,545 bps | |