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Phila Gas Works Employees

Philadelphia, PA · Charter 23094

NCUA · 1 branch

Q3 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Phila Gas Works Employees

Philadelphia, PA · Charter 23094

NCUA · 1 branch

Q3 2017

$17.3MAssets
$4.5MLoans
$16.4MShares
$701KNet 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 -3.45%, down 321 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.53% of loans (-197 bps YoY).
  • Capital: net worth / assets of 4.06%, down 316 bps from a year ago.
  • Funding: loans stand at 27.37% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-3.45%-321 bps YoY

Net Interest Margin (YTD, annualized)

3.31%+17 bps YoY

Efficiency Ratio (YTD, annualized)

173.04%+7,113 bps YoY

Net Worth / Assets

4.06%-316 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.25%-1.12%-0.22%-0.42%-3.45%-321 bps
Return on Equity-3.41%-17.88%-3.57%-7.00%-85.10%-8,169 bps
Net Interest Margin3.15%2.97%3.55%3.25%3.31%+17 bps
Efficiency Ratio101.91%104.08%91.62%100.97%173.04%+7,113 bps
Growth
Asset Growth (YoY)4.27%2.80%4.26%2.12%-5.39%-966 bps
Loan Growth (YoY)-8.69%-6.53%-9.42%-11.48%-10.73%-204 bps
Share Growth (YoY)4.62%4.08%5.79%3.51%-2.98%-760 bps
Asset Quality
Delinquent Loans / Loans2.50%4.21%2.92%1.42%0.53%-197 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%3.64%2.64%2.50%3.34%+272 bps
Capital
Risk-Based Capital7.21%6.29%6.09%6.05%4.06%-316 bps
Net Worth / Assets7.21%6.29%6.09%6.05%4.06%-316 bps
Liquidity & Funding
Loans / Shares29.74%29.38%26.80%26.55%27.37%-237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps