Philadelphia, PA · Charter 19046
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.71% | 1.31% | 0.17% | 0.04% | 0.50% | 0.59% | -1.71% | -188 bps | |
| Return on Equity | 4.46% | 4.00% | 7.25% | 0.95% | 0.22% | 2.83% | 3.03% | -8.35% | -930 bps | |
| Net Interest Margin | 1.20% | 1.37% | 1.37% | 1.68% | 1.28% | 1.31% | 1.36% | 1.56% | -12 bps | |
| Efficiency Ratio | 67.75% | 68.06% | 95.88% | 90.15% | 97.08% | 69.94% | 68.27% | 209% | +11,933 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.55% | 6.81% | 4.51% | 3.10% | 4.75% | 5.56% | -5.08% | -12.39% | -1,549 bps | |
| Loan Growth (YoY) | 4.88% | 359% | 107.62% | 109.68% | 189.36% | 7.98% | -5.18% | -32.12% | -14,181 bps | |
| Share Growth (YoY) | 9.88% | 5.00% | 3.99% | 2.04% | 4.92% | 5.71% | -6.87% | -15.24% | -1,728 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 21.79% | 0.00% | 0.00% | 0.00% | 0.00% | -2,179 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 | 61.92% | 23.71% | 13.76% | 14.85% | 13.27% | 11.40% | 14.51% | 21.88% | +703 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.42% | 17.79% | 18.10% | 17.77% | 17.40% | 17.85% | 19.50% | 20.44% | +267 bps | |
| Net Worth / Assets | 17.42% | 17.79% | 18.10% | 17.77% | 17.40% | 17.85% | 19.50% | 20.44% | +267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 3.57% | 11.35% | 9.88% | 9.02% | 9.85% | 11.59% | 10.06% | 7.22% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |