Philadelphia, PA · Charter 23094
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.15% | 2.97% | 3.55% | 3.25% | 3.31% | +17 bps | |
| Efficiency Ratio | 101.91% | 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 / Loans | 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 |
| Allowance / Loans | 0.62% | 3.64% | 2.64% | 2.50% | 3.34% | +272 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.21% | 6.29% | 6.09% | 6.05% | 4.06% | -316 bps | |
| Net Worth / Assets | 7.21% | 6.29% | 6.09% | 6.05% | 4.06% | -316 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |