Philadelphia, PA · Charter 23094
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Philadelphia, PA · Charter 23094
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.09% | -0.20% | -0.25% | -1.12% | -0.22% | -0.42% | -3.45% | -321 bps | |
| Return on Equity | 5.75% | 1.22% | -2.64% | -3.41% | -17.88% | -3.57% | -7.00% | -85.10% | -8,169 bps | |
| Net Interest Margin | 3.18% | 3.28% | 3.20% | 3.15% | 2.97% | 3.55% | 3.25% | 3.31% | +17 bps | |
| Efficiency Ratio | 85.15% | 95.30% | 101.12% | 101.91% | 104.08% | 91.62% | 100.97% | 173.04% | +7,113 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.37% | -0.21% | 1.98% | 4.27% | 2.80% | 4.26% | 2.12% | -5.39% | -966 bps | |
| Loan Growth (YoY) | 4.57% | 3.97% | -3.64% | -8.69% | -6.53% | -9.42% | -11.48% | -10.73% | -204 bps | |
| Share Growth (YoY) | -0.87% | -0.67% | 1.90% | 4.62% | 4.08% | 5.79% | 3.51% | -2.98% | -760 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.38% | 2.20% | 3.00% | 2.50% | 4.21% | 2.92% | 1.42% | 0.53% | -197 bps | |
| 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 | 0.92% | 0.39% | 0.62% | 0.62% | 3.64% | 2.64% | 2.50% | 3.34% | +272 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.61% | 7.56% | 7.43% | 7.21% | 6.29% | 6.09% | 6.05% | 4.06% | -316 bps | |
| Net Worth / Assets | 7.61% | 7.56% | 7.43% | 7.21% | 6.29% | 6.09% | 6.05% | 4.06% | -316 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.72% | 31.30% | 31.04% | 29.74% | 29.38% | 26.80% | 26.55% | 27.37% | -237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |