Philadelphia, PA · Charter 2795
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.04% | 3.49% | 2.59% | 3.93% | -0.01% | -405 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 | 4.79% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 87.04% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -1.13% | -2.11% | 2.90% | -5.84% | -20.08% | -1,894 bps | |
| Loan Growth (YoY) | -8.61% | 3.09% | 7.17% | 6.66% | -2.42% | +619 bps | |
| Share Growth (YoY) | -1.92% | -2.83% | 3.73% | -5.73% | -20.89% | -1,897 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.75% | 1.10% | 1.13% | 1.58% | 1.75% | -200 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.82% | 2.45% | 2.38% | 1.70% | +28 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 | 62.51% | 66.67% | 63.42% | 66.60% | 77.11% | +1,460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 38.11% | 35.59% | 10.12% | +1,012 bps | |