Philadelphia, PA · Charter 2581
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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 2581
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.07% | -1.90% | -2.55% | -2.00% | -202 bps | |
| Return on Equity | 0.25% | 0.91% | -26.95% | -35.86% | -29.71% | -2,996 bps | |
| Net Interest Margin | 6.10% | 6.51% | 6.60% | 7.46% | 7.15% | +104 bps | |
| Efficiency Ratio | 103.27% | 99.01% | 103.61% | 102.78% | 103.89% | +61 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.85% | -15.12% | -15.37% | -18.78% | -9.39% | +1,046 bps | |
| Loan Growth (YoY) | 7.67% | 7.25% | 0.68% | 0.80% | -0.33% | -799 bps | |
| Share Growth (YoY) | -21.20% | -16.39% | -16.20% | -20.49% | -10.37% | +1,084 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.95% | 7.51% | 7.37% | 6.15% | 6.58% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.28% | 3.10% | 3.10% | 3.65% | 2.31% | -96 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.91% | 8.01% | 7.04% | 7.12% | 6.73% | -118 bps | |
| Net Worth / Assets | 7.91% | 8.01% | 7.04% | 7.12% | 6.73% | -118 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.22% | 84.82% | 80.03% | 92.82% | 92.54% | +932 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |