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University House

Philadelphia, PA · Charter 3921

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

University House

Philadelphia, PA · Charter 3921

Q3 2009

$145KAssets
$69KLoans
$85KShares
$58KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.46%, up 826 bps year over year; NIM at 7.13%.
  • Asset quality: problem loans at 34.68% of loans (+3,468 bps YoY).
  • Capital: net worth / assets of 40.05%, up 1,919 bps from a year ago.
  • Funding: loans stand at 80.93% of shares as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

-0.46%+826 bps YoY

Net Interest Margin (YTD, annualized)

7.13%+185 bps YoY

Efficiency Ratio (YTD, annualized)

101.91%+3,480 bps YoY

Net Worth / Assets

40.05%+1,919 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets-8.72%-7.15%1.31%-1.15%-0.46%+826 bps
Return on Equity-41.81%-38.93%4.58%-2.98%-1.16%+4,065 bps
Net Interest Margin5.29%3.38%9.82%7.91%7.13%+185 bps
Efficiency Ratio67.11%88.53%36.71%108.52%101.91%+3,480 bps
Growth
Asset Growth (YoY)-17.89%-15.54%-38.08%-51.56%-48.31%-3,042 bps
Loan Growth (YoY)-14.72%-12.18%-8.69%-9.46%-10.80%+392 bps
Share Growth (YoY)-14.50%-11.25%-45.93%-64.65%-61.54%-4,704 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%32.18%34.68%+3,468 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans28.44%26.45%28.00%29.60%31.89%+344 bps
Capital
Risk-Based Capital20.86%18.37%28.55%38.76%40.05%+1,919 bps
Net Worth / Assets20.86%18.37%28.55%38.76%40.05%+1,919 bps
Liquidity & Funding
Loans / Shares34.89%34.97%58.31%83.80%80.93%+4,604 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps