Philadelphia, PA · Charter 5494
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Philadelphia, PA · Charter 5494
NCUA
Q1 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | -0.47% | -0.50% | -0.37% | -5.67% | -504 bps | |
| Return on Equity | -8.44% | -6.27% | -6.75% | -5.14% | -95.35% | -8,691 bps | |
| Net Interest Margin | 2.89% | 2.79% | 2.83% | 2.79% | 2.60% | -29 bps | |
| Efficiency Ratio | 118.26% | 113.64% | 114.41% | 110.48% | 140.41% | +2,214 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.40% | -3.73% | 0.22% | 0.52% | -2.19% | +421 bps | |
| Loan Growth (YoY) | -9.86% | -3.86% | 1.09% | -1.09% | -9.51% | +35 bps | |
| Share Growth (YoY) | -6.56% | -3.49% | 0.53% | 0.95% | -0.61% | +595 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.57% | 6.06% | 5.90% | 7.04% | 3.91% | +34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.55% | 4.51% | 5.31% | 5.60% | 4.60% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.41% | 7.44% | 7.42% | 7.21% | 5.94% | -147 bps | |
| Net Worth / Assets | 7.41% | 7.44% | 7.42% | 7.21% | 5.94% | -147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.34% | 34.51% | 35.15% | 33.11% | 30.36% | -299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |