Philadelphia, PA · Charter 24300
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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 24300
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | -0.22% | 0.49% | 0.98% | 1.13% | +16 bps | |
| Return on Equity | 11.35% | -2.60% | 5.92% | 11.87% | 11.78% | +43 bps | |
| Net Interest Margin | 2.73% | 2.24% | 2.14% | 2.36% | 2.57% | -17 bps | |
| Efficiency Ratio | 64.56% | 109.78% | 76.94% | 58.60% | 55.99% | -857 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.34% | -0.79% | 1.44% | 1.25% | 1.06% | +241 bps | |
| Loan Growth (YoY) | -21.92% | -16.76% | -3.90% | 0.38% | 26.66% | +4,858 bps | |
| Share Growth (YoY) | -2.50% | -0.81% | -0.20% | -0.12% | -0.13% | +237 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 35.05% | 52.42% | 24.33% | 23.84% | 18.86% | -1,619 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.73% | 6.19% | 4.74% | 5.01% | 4.12% | -161 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.55% | 8.41% | 8.35% | 8.24% | 9.59% | +104 bps | |
| Net Worth / Assets | 8.55% | 8.41% | 8.35% | 8.24% | 9.59% | +104 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.96% | 21.92% | 28.48% | 26.73% | 30.38% | +643 bps | |
| Liquid Assets / Assets | 78.41% | 68.37% | 62.09% | 63.96% | 60.20% | -1,822 bps | |