Philadelphia, PA · Charter 3773
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 3773
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.00% | 2.22% | -9.07% | -15.72% | -11.94% | -594 bps | |
| Return on Equity | -59.64% | 20.72% | -138.96% | -5561% | -3828% | -376,848 bps | |
| Net Interest Margin | 9.58% | 7.86% | 7.44% | 8.22% | 7.92% | -166 bps | |
| Efficiency Ratio | 59.09% | 80.71% | 98.83% | 115.84% | 112.08% | +5,299 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.72% | -19.74% | -19.31% | -20.64% | -17.86% | -14 bps | |
| Loan Growth (YoY) | -17.61% | -21.26% | -26.08% | -27.94% | -32.83% | -1,522 bps | |
| Share Growth (YoY) | -14.68% | -17.46% | -14.67% | -11.62% | -8.99% | +568 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.67% | 14.34% | 11.01% | 9.14% | 0.31% | -1,036 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.39% | 9.43% | 12.87% | 18.14% | 8.36% | -103 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.07% | 10.73% | 6.52% | 0.28% | 0.31% | -975 bps | |
| Net Worth / Assets | 10.07% | 10.73% | 6.52% | 0.28% | 0.31% | -975 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.19% | 73.99% | 71.37% | 67.31% | 58.45% | -2,074 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |