Philadelphia, PA · Charter 5160
NCUA · 2 branches
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.80% | -1.22% | -0.84% | -0.75% | -0.85% | -1.54% | -1.50% | -2.20% | -145 bps | |
| Return on Equity | -4.67% | -7.14% | -4.81% | -4.34% | -4.91% | -9.48% | -9.19% | -13.59% | -924 bps | |
| Net Interest Margin | 2.78% | 2.80% | 2.87% | 2.88% | 2.93% | 2.77% | 2.77% | 2.89% | +1 bps | |
| Efficiency Ratio | 123.83% | 119.53% | 114.32% | 112.97% | 115.72% | 114.31% | 110.28% | 109.78% | -319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.68% | -7.43% | -8.18% | -4.79% | -5.84% | -0.44% | -0.48% | -4.61% | +18 bps | |
| Loan Growth (YoY) | 13.68% | 14.64% | 13.13% | 12.50% | 10.08% | 5.26% | 2.66% | -6.79% | -1,930 bps | |
| Share Growth (YoY) | -7.02% | -7.93% | -8.78% | -6.18% | -3.47% | 0.87% | 1.04% | 1.59% | +778 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.33% | 2.78% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.65% | 0.75% | 0.52% | 0.71% | 1.11% | 1.60% | 2.70% | +218 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.05% | 17.10% | 17.44% | 17.33% | 17.26% | 16.28% | 16.35% | 16.22% | -110 bps | |
| Net Worth / Assets | 17.05% | 17.10% | 17.44% | 17.33% | 17.26% | 16.28% | 16.35% | 16.22% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.36% | 41.02% | 41.49% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |