PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Germantown

Philadelphia, PA · Charter 22834

Q2 1996

$1.8MAssets
$1.1MLoans
$2.0MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.70%, down 79 bps year over year.
  • Asset quality: problem loans at 27.74% of loans (+1,601 bps YoY).
  • Funding: loans stand at 56.73% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

1.70%-79 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets2.49%1.29%-7.92%-19.34%1.70%-79 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-33.27%n/an/a
Loan Growth (YoY)n/an/an/an/a-43.47%n/an/a
Share Growth (YoY)n/an/an/an/a-22.99%n/an/a
Asset Quality
Delinquent Loans / Loans11.73%15.80%25.53%20.22%27.74%+1,601 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.78%2.45%6.11%20.39%20.00%+1,822 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares77.27%87.22%91.69%69.42%56.73%-2,054 bps
Liquid Assets / Assets18.28%7.38%8.96%20.80%38.56%+2,028 bps