Philadelphia, PA · Charter 21535
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.97% | -0.44% | -15.08% | -7.27% | -4.39% | -241 bps | |
| Return on Equity | -26.59% | -5.53% | -340% | -199.27% | -95.77% | -6,917 bps | |
| Net Interest Margin | 4.44% | 4.85% | 4.94% | 5.23% | 5.62% | +117 bps | |
| Efficiency Ratio | 113.28% | 96.04% | 87.69% | 56.17% | 61.03% | -5,225 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -27.75% | -7.01% | -16.38% | -14.33% | -22.07% | +568 bps | |
| Loan Growth (YoY) | 32.98% | 1.36% | 3.43% | 3.00% | -13.25% | -4,624 bps | |
| Share Growth (YoY) | -36.15% | -7.12% | -17.46% | -13.72% | -14.96% | +2,119 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.88% | 11.17% | 13.32% | 4.76% | 5.63% | -525 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.34% | 5.48% | 11.26% | 8.33% | 8.74% | +340 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.42% | 7.95% | 4.44% | 3.65% | 4.58% | -284 bps | |
| Net Worth / Assets | 7.42% | 7.95% | 4.44% | 3.65% | 4.58% | -284 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.13% | 83.35% | 83.47% | 81.70% | 85.82% | +169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |