Philadelphia, PA · Charter 23075
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Philadelphia, PA · Charter 23075
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.28% | 2.83% | 2.83% | -3.08% | -1.49% | -477 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 11.65% | -20.76% | -12.08% | -28.28% | -27.93% | -3,958 bps | |
| Loan Growth (YoY) | 55.14% | 32.19% | 24.66% | -14.55% | -37.83% | -9,297 bps | |
| Share Growth (YoY) | 9.75% | -23.57% | -13.96% | -20.68% | -21.12% | -3,087 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.62% | 17.67% | 17.67% | 6.65% | 13.88% | +1,026 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.84% | 2.54% | 2.54% | 6.18% | 8.43% | +559 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.30% | 93.76% | 93.76% | 75.29% | 58.56% | -1,573 bps | |
| Liquid Assets / Assets | 14.22% | 16.13% | 16.13% | 14.00% | 37.12% | +2,290 bps | |