Philadelphia, PA · Charter 24461
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 24461
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.53% | 2.09% | 0.59% | -5.78% | -14.80% | -1,733 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -0.09% | -3.95% | -10.98% | -19.70% | -27.09% | -2,701 bps | |
| Loan Growth (YoY) | 17.81% | 10.52% | 9.23% | 0.34% | -21.21% | -3,902 bps | |
| Share Growth (YoY) | -0.36% | -4.83% | -11.30% | -16.21% | -17.05% | -1,669 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.95% | 5.19% | 5.98% | 6.89% | 6.78% | -317 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.59% | 5.39% | 3.08% | 8.69% | 10.45% | +785 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.98% | 89.69% | 90.24% | 91.32% | 81.67% | -431 bps | |
| Liquid Assets / Assets | 23.03% | 22.36% | 19.17% | 18.35% | 0.00% | -2,303 bps | |