Philadelphia, PA · Charter 23037
NCUA · 1 branch
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.46% | -0.28% | -0.57% | -0.30% | 2.25% | -137.42% | -68.24% | -6,767 bps | |
| Return on Equity | 0.83% | 4.06% | -2.73% | -4.54% | -2.12% | 8.28% | -137.42% | -68.24% | -6,370 bps | |
| Net Interest Margin | 1.09% | 1.28% | 0.91% | 0.73% | 0.91% | 4.03% | 7.38% | 3.67% | +294 bps | |
| Efficiency Ratio | 92.94% | 66.31% | 130.24% | 177.67% | 132.85% | 44.31% | 1961% | 1961% | +178,346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.87% | -13.49% | 0.00% | -18.38% | -26.72% | -53.95% | -91.18% | -89.42% | -7,103 bps | |
| Loan Growth (YoY) | -44.77% | -78.94% | 0.00% | -87.23% | -97.06% | -100.00% | -100.00% | -100.00% | -1,277 bps | |
| Share Growth (YoY) | -15.73% | -15.33% | 0.00% | -20.53% | -29.78% | -62.15% | -100.00% | -100.00% | -7,947 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.78% | 14.13% | 3.75% | 30.40% | 162.41% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 10.28% | 11.35% | 10.40% | 12.62% | 14.12% | 27.14% | 100.00% | 100.00% | +8,738 bps | |
| Net Worth / Assets | 10.28% | 11.35% | 10.40% | 12.62% | 14.12% | 27.14% | 100.00% | 100.00% | +8,738 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 5.46% | 1.99% | 7.14% | 1.08% | 0.23% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |