Philadelphia, PA · Charter 21677
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.13% | 0.26% | 1.34% | -0.51% | -80.00% | -7,886 bps | |
| Return on Equity | -7.58% | 1.88% | 8.32% | -3.37% | n/a | n/a | |
| Net Interest Margin | 3.73% | 3.18% | 4.27% | 4.61% | 5.94% | +220 bps | |
| Efficiency Ratio | 106.97% | 82.46% | 65.63% | 76.27% | 888% | +78,075 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.67% | -2.76% | -6.70% | -0.83% | -25.13% | -1,546 bps | |
| Loan Growth (YoY) | 5.51% | 13.74% | 21.65% | 11.89% | 7.15% | +165 bps | |
| Share Growth (YoY) | -11.08% | -3.10% | -9.52% | -5.33% | 6.02% | +1,710 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.47% | 5.41% | 6.44% | 7.51% | 15.96% | +1,149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.32% | 2.30% | 2.04% | 1.97% | 4.23% | +191 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.97% | 13.73% | 16.16% | 15.12% | -19.50% | -3,447 bps | |
| Net Worth / Assets | 14.97% | 13.73% | 16.16% | 15.12% | -19.50% | -3,447 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.03% | 49.12% | 61.73% | 59.77% | 54.61% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |