Philadelphia, PA · Charter 5160
NCUA · 2 branches
Q3 2016
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.75% | -0.85% | -1.54% | -1.50% | -2.20% | -145 bps | |
| Return on Equity | -4.34% | -4.91% | -9.48% | -9.19% | -13.59% | -924 bps | |
| Net Interest Margin | 2.88% | 2.93% | 2.77% | 2.77% | 2.89% | +1 bps | |
| Efficiency Ratio | 112.97% | 115.72% | 114.31% | 110.28% | 109.78% | -319 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.79% | -5.84% | -0.44% | -0.48% | -4.61% | +18 bps | |
| Loan Growth (YoY) | 12.50% | 10.08% | 5.26% | 2.66% | -6.79% | -1,930 bps | |
| Share Growth (YoY) | -6.18% | -3.47% | 0.87% | 1.04% | 1.59% | +778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 1.58% | 3.25% | 2.74% | 1.35% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.71% | 1.11% | 1.60% | 2.70% | +218 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.33% | 17.26% | 16.28% | 16.35% | 16.22% | -110 bps | |
| Net Worth / Assets | 17.33% | 17.26% | 16.28% | 16.35% | 16.22% | -110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.41% | 46.03% | 42.81% | 42.16% | 40.75% | -367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |