Philadelphia, PA · Charter 65212
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.12% | 0.22% | 0.21% | 0.19% | -0.16% | -55.08% | -37.88% | -3,810 bps | |
| Return on Equity | 1.23% | 0.31% | 0.53% | 0.52% | 0.47% | -0.39% | -392% | -260% | -26,009 bps | |
| Net Interest Margin | 3.12% | 3.19% | 3.19% | 3.18% | 3.08% | 2.81% | -52.16% | -34.91% | -3,809 bps | |
| Efficiency Ratio | 84.37% | 96.15% | 93.22% | 93.32% | 93.80% | 105.69% | n/a | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.23% | -1.49% | -2.41% | -3.09% | -1.63% | -0.76% | -0.77% | -4.14% | -104 bps | |
| Loan Growth (YoY) | -3.33% | -7.25% | -6.36% | -9.48% | -14.07% | -14.90% | -17.69% | -11.66% | -218 bps | |
| Share Growth (YoY) | 2.00% | -3.20% | -4.69% | -5.56% | -3.07% | -1.47% | 45.06% | 39.36% | +4,492 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.21% | 1.06% | 0.62% | 0.59% | +59 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 | 4.45% | 5.02% | 4.84% | 5.33% | 5.57% | 5.17% | 4.12% | 3.81% | -152 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 39.97% | 40.42% | 41.18% | 41.19% | 40.82% | 40.85% | 14.05% | 14.59% | -2,660 bps | |
| Net Worth / Assets | 39.97% | 40.42% | 41.18% | 41.19% | 40.82% | 40.85% | 14.05% | 14.59% | -2,660 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.51% | 32.12% | 34.81% | 32.26% | 30.59% | 27.75% | 19.75% | 20.45% | -1,181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |