Philadelphia, PA · Charter 4455
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.30% | -1.12% | -0.94% | -0.97% | -9.75% | -846 bps | |
| Return on Equity | -8.02% | -6.82% | -5.38% | -5.82% | -68.25% | -6,023 bps | |
| Net Interest Margin | 1.98% | 2.26% | 2.30% | 2.41% | -6.35% | -833 bps | |
| Efficiency Ratio | 164.68% | 143.71% | 136.97% | 137.32% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.08% | -10.27% | -11.91% | -8.01% | -6.81% | -689 bps | |
| Loan Growth (YoY) | -20.01% | -26.05% | -23.25% | -34.92% | -37.11% | -1,710 bps | |
| Share Growth (YoY) | 1.40% | -11.49% | -13.56% | -8.58% | -4.73% | -613 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.14% | 6.11% | 2.32% | 7.39% | 2.05% | -509 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.76% | 3.22% | 3.04% | 3.39% | 4.03% | +127 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.17% | 16.44% | 17.42% | 16.65% | 14.29% | -188 bps | |
| Net Worth / Assets | 16.17% | 16.44% | 17.42% | 16.65% | 14.29% | -188 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 12.08% | 9.84% | 11.25% | 9.69% | 7.97% | -411 bps | |
| Liquid Assets / Assets | 86.69% | 40.22% | 42.11% | 50.65% | 51.36% | -3,533 bps | |