Philadelphia, PA · Charter 24596
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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 24596
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.67% | -0.30% | 1.71% | 1.15% | 1.71% | +338 bps | |
| Return on Equity | -64.46% | -11.26% | 52.34% | 34.29% | 40.22% | +10,468 bps | |
| Net Interest Margin | 4.01% | 4.06% | 5.28% | 5.30% | 5.86% | +185 bps | |
| Efficiency Ratio | 124.69% | 106.47% | 70.66% | 79.94% | 76.10% | -4,859 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.57% | 2.26% | -2.49% | -1.82% | -15.34% | -1,791 bps | |
| Loan Growth (YoY) | -11.52% | -6.11% | -9.44% | -14.86% | -18.73% | -720 bps | |
| Share Growth (YoY) | 7.03% | 13.22% | 4.52% | 2.42% | -10.75% | -1,778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.73% | 2.74% | 3.47% | 10.23% | 9.83% | +710 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.29% | 1.62% | 1.88% | 2.23% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 2.60% | 2.63% | 3.27% | 3.35% | 4.25% | +166 bps | |
| Net Worth / Assets | 2.60% | 2.63% | 3.27% | 3.35% | 4.25% | +166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.98% | 35.25% | 36.28% | 34.94% | 33.67% | -331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |