Philadelphia, PA · Charter 22580
Q4 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.59% | -3.21% | -4.50% | -3.27% | -3.49% | +110 bps | |
| Return on Equity | -22.72% | -16.68% | -23.76% | -23.22% | -26.17% | -345 bps | |
| Net Interest Margin | 0.54% | 0.76% | 0.03% | 0.24% | 0.20% | -34 bps | |
| Efficiency Ratio | 603% | 393% | 1525% | 668% | 786% | +18,279 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.90% | 1.52% | -5.47% | 23.15% | 19.45% | +4,035 bps | |
| Loan Growth (YoY) | -9.22% | -10.87% | 12.28% | 189.53% | 188.43% | +19,766 bps | |
| Share Growth (YoY) | -23.71% | 6.33% | 2.33% | 18.60% | 19.06% | +4,277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.83% | 11.59% | 9.76% | 3.01% | 3.41% | -642 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.19% | 19.27% | 18.92% | 14.10% | 13.33% | -687 bps | |
| Net Worth / Assets | 20.19% | 19.27% | 18.92% | 14.10% | 13.33% | -687 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 16.73% | 14.01% | 16.90% | 46.55% | 40.53% | +2,380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |