Philadelphia, PA · Charter 65399
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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 65399
Q2 2003
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 1.38% | -0.37% | 0.13% | -0.32% | -72 bps | |
| Return on Equity | 3.48% | 11.03% | -3.23% | 1.10% | -2.81% | -629 bps | |
| Net Interest Margin | 8.00% | 8.23% | 7.33% | 6.03% | 7.38% | -61 bps | |
| Efficiency Ratio | 71.33% | 67.66% | 82.34% | 34.94% | 80.32% | +899 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.32% | -1.68% | -10.81% | -6.62% | -6.05% | +227 bps | |
| Loan Growth (YoY) | -18.39% | -19.17% | -16.70% | -22.35% | -15.09% | +330 bps | |
| Share Growth (YoY) | -10.17% | -3.44% | -12.39% | -7.64% | -5.85% | +432 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 0.00% | 5.09% | 6.34% | 2.03% | +92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.61% | 2.87% | 1.67% | 2.23% | 2.59% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.47% | 12.55% | 11.58% | 11.47% | 11.46% | -1 bps | |
| Net Worth / Assets | 11.47% | 12.55% | 11.58% | 11.47% | 11.46% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.38% | 71.32% | 70.94% | 64.05% | 65.28% | -711 bps | |
| Liquid Assets / Assets | 32.35% | 35.23% | 31.45% | 39.65% | 36.46% | +411 bps | |