Philadelphia, PA · Charter 3921
Q3 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 5.29% | 3.38% | 9.82% | 7.91% | 7.13% | +185 bps | |
| Efficiency Ratio | 67.11% | 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 / Loans | 0.00% | 0.00% | 0.00% | 32.18% | 34.68% | +3,468 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 28.44% | 26.45% | 28.00% | 29.60% | 31.89% | +344 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.86% | 18.37% | 28.55% | 38.76% | 40.05% | +1,919 bps | |
| Net Worth / Assets | 20.86% | 18.37% | 28.55% | 38.76% | 40.05% | +1,919 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.89% | 34.97% | 58.31% | 83.80% | 80.93% | +4,604 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |