Philadelphia, PA · Charter 23183
Q1 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.13% | -0.64% | -0.43% | -1.41% | -15.99% | -1,486 bps | |
| Return on Equity | -11.28% | -5.89% | -3.98% | -13.75% | -254% | -24,226 bps | |
| Net Interest Margin | 0.39% | 0.38% | 0.26% | 0.40% | 0.56% | +18 bps | |
| Efficiency Ratio | 392% | 166.12% | 167.15% | 299% | 534% | +14,184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.64% | -11.06% | -11.03% | -18.92% | -12.34% | -870 bps | |
| Loan Growth (YoY) | -8.39% | -50.76% | -43.10% | -25.87% | -21.66% | -1,327 bps | |
| Share Growth (YoY) | -0.53% | -6.98% | -7.20% | -15.25% | -8.99% | -846 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 55.61% | 100.00% | 100.00% | 83.59% | 88.01% | +3,240 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.35% | 8.25% | 8.25% | 8.32% | 58.98% | +5,162 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.01% | 10.88% | 10.88% | 10.23% | 6.31% | -370 bps | |
| Net Worth / Assets | 10.01% | 10.88% | 10.88% | 10.23% | 6.31% | -370 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 5.80% | 5.63% | 5.63% | 5.76% | 4.99% | -81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |