Newtown Square, PA · Charter 19361
Q3 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.58% | 0.03% | -0.20% | 0.45% | -25 bps | |
| Return on Equity | 3.15% | 2.59% | 0.12% | -0.86% | 1.94% | -121 bps | |
| Net Interest Margin | 3.21% | 3.12% | 2.57% | 2.52% | 2.31% | -90 bps | |
| Efficiency Ratio | 78.30% | 81.59% | 98.93% | 107.88% | 85.05% | +675 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.03% | -3.28% | -6.23% | -6.67% | -2.96% | +7 bps | |
| Loan Growth (YoY) | -45.85% | -36.80% | -34.70% | -45.73% | -70.94% | -2,509 bps | |
| Share Growth (YoY) | -4.45% | -4.77% | -8.47% | -8.70% | -8.40% | -395 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 29.02% | 28.63% | 29.53% | 9.28% | 16.30% | -1,272 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.17% | 15.46% | 17.22% | 23.01% | 25.68% | +1,151 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.34% | 22.40% | 23.09% | 23.28% | 23.41% | +107 bps | |
| Net Worth / Assets | 22.34% | 22.40% | 23.09% | 23.28% | 23.41% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.12% | 9.18% | 8.57% | 6.59% | 3.21% | -691 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |