Philadelphia, PA · Charter 24012
NCUA · 1 branch
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.31% | 0.35% | 0.08% | 0.20% | 0.09% | 0.08% | 0.01% | -7 bps | |
| Return on Equity | 4.99% | 3.70% | 4.18% | 0.98% | 2.34% | 0.99% | 0.82% | 0.11% | -87 bps | |
| Net Interest Margin | 1.32% | 1.21% | 1.25% | 1.00% | 1.03% | 0.95% | 0.95% | 0.69% | -31 bps | |
| Efficiency Ratio | 69.75% | 75.40% | 73.50% | 92.74% | 83.13% | 92.02% | 92.21% | 113.52% | +2,078 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.59% | 5.58% | 14.46% | 8.98% | -2.84% | -3.23% | -9.53% | -17.44% | -2,641 bps | |
| Loan Growth (YoY) | 7.85% | 5.11% | -11.76% | -23.99% | -18.54% | -15.39% | -23.56% | -26.11% | -212 bps | |
| Share Growth (YoY) | 10.26% | 5.86% | 15.71% | 9.78% | -3.34% | -3.60% | -10.40% | -19.06% | -2,884 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 2.86% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 4.65% | 4.95% | 5.17% | 5.77% | 5.71% | 5.84% | 6.77% | 7.07% | +130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.31% | 8.33% | 8.32% | 7.96% | 8.70% | 8.70% | 9.21% | 9.70% | +173 bps | |
| Net Worth / Assets | 8.31% | 8.33% | 8.32% | 7.96% | 8.70% | 8.70% | 9.21% | 9.70% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.60% | 11.91% | 11.23% | 9.66% | 10.61% | 10.45% | 9.58% | 8.82% | -84 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |