Philadelphia, PA · Charter 19696
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Philadelphia, PA · Charter 19696
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.59% | 3.89% | 1.19% | 0.99% | 0.37% | -322 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 1.36% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.74% | 5.24% | 5.89% | n/a | |
| Efficiency Ratio | n/a | n/a | 75.58% | 65.59% | 75.45% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -1.13% | -1.46% | -10.57% | -4.43% | -20.27% | -1,914 bps | |
| Loan Growth (YoY) | 36.75% | 4.91% | 4.48% | -27.37% | -66.51% | -10,326 bps | |
| Share Growth (YoY) | -3.63% | -4.90% | -14.91% | -7.29% | -27.23% | -2,360 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 1.70% | 3.59% | 5.07% | 2.05% | +112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 2.31% | 2.52% | 4.85% | 1.97% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 27.10% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 27.10% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.33% | 60.99% | 73.50% | 51.68% | 39.73% | -4,660 bps | |
| Liquid Assets / Assets | 19.41% | 30.34% | 34.16% | 36.50% | 67.19% | +4,777 bps | |