Philadelphia, PA · Charter 61591
Q4 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.52% | 1.43% | 1.39% | 1.09% | +30 bps | |
| Return on Equity | 3.06% | 2.24% | 6.21% | 5.60% | 4.26% | +120 bps | |
| Net Interest Margin | 5.14% | 3.78% | 4.31% | 4.54% | 4.81% | -32 bps | |
| Efficiency Ratio | 69.61% | 86.30% | 66.91% | 69.50% | 77.43% | +782 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.59% | 15.57% | 17.23% | 6.71% | 5.49% | -410 bps | |
| Loan Growth (YoY) | -25.82% | -17.59% | 19.78% | 22.09% | 44.99% | +7,081 bps | |
| Share Growth (YoY) | 11.92% | 20.76% | 21.32% | 7.45% | 5.83% | -609 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.47% | 12.05% | 11.87% | 19.44% | 13.12% | -235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.21% | 5.83% | 4.70% | 4.60% | 4.29% | -193 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.76% | 23.09% | 22.97% | 24.77% | 25.51% | -25 bps | |
| Net Worth / Assets | 25.76% | 23.09% | 22.97% | 24.77% | 25.51% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.93% | 54.89% | 65.91% | 73.51% | 82.10% | +2,217 bps | |
| Liquid Assets / Assets | 57.54% | 59.65% | 51.08% | 46.00% | 40.47% | -1,708 bps | |