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Church of the Redeemer

Philadelphia, PA · Charter 19368

Q1 2006

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: Q1 2006, the quarter ended March 31, 2006, 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

Church of the Redeemer

Philadelphia, PA · Charter 19368

Q1 2006

$76KAssets
$19KLoans
$69KShares
$6KNet 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 2.32%, up 1,634 bps year over year; NIM at 6.69%.
  • Asset quality: problem loans at 57.11% of loans (+3,232 bps YoY).
  • Capital: net worth / assets of 7.83%, down 230 bps from a year ago.
  • Funding: loans stand at 27.95% of shares as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

2.32%+1,634 bps YoY

Net Interest Margin (YTD, annualized)

6.69%+284 bps YoY

Efficiency Ratio (YTD, annualized)

65.28%-4,727 bps YoY

Net Worth / Assets

7.83%-230 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets-14.01%-7.02%-11.54%-8.59%2.32%+1,634 bps
Return on Equity-138.44%-64.32%-171.42%-115.59%29.71%+16,814 bps
Net Interest Margin3.85%3.69%3.76%4.05%6.69%+284 bps
Efficiency Ratio112.54%96.18%107.40%94.96%65.28%-4,727 bps
Growth
Asset Growth (YoY)4.79%1.33%-4.79%-22.35%-12.76%-1,756 bps
Loan Growth (YoY)-14.28%-17.09%-23.36%-33.82%-13.80%+48 bps
Share Growth (YoY)9.88%6.16%4.20%-17.52%-10.61%-2,048 bps
Asset Quality
Delinquent Loans / Loans24.78%28.14%43.54%57.21%57.11%+3,232 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%4.32%4.97%5.02%+502 bps
Capital
Risk-Based Capital10.12%10.91%6.73%7.43%7.83%-230 bps
Net Worth / Assets10.12%10.91%6.73%7.43%7.83%-230 bps
Liquidity & Funding
Loans / Shares28.99%30.23%29.04%28.84%27.95%-104 bps
Liquid Assets / Assets72.11%70.99%71.93%72.28%73.24%+112 bps