Philadelphia, PA · Charter 19368
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.85% | 3.69% | 3.76% | 4.05% | 6.69% | +284 bps | |
| Efficiency Ratio | 112.54% | 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 / Loans | 24.78% | 28.14% | 43.54% | 57.21% | 57.11% | +3,232 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 4.32% | 4.97% | 5.02% | +502 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.12% | 10.91% | 6.73% | 7.43% | 7.83% | -230 bps | |
| Net Worth / Assets | 10.12% | 10.91% | 6.73% | 7.43% | 7.83% | -230 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.99% | 30.23% | 29.04% | 28.84% | 27.95% | -104 bps | |
| Liquid Assets / Assets | 72.11% | 70.99% | 71.93% | 72.28% | 73.24% | +112 bps | |