Philadelphia, PA · Charter 65538
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 65538
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.72% | 4.72% | 4.50% | 4.57% | 3.49% | -124 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -3.51% | -3.59% | -7.89% | -12.38% | -12.97% | -946 bps | |
| Loan Growth (YoY) | 0.17% | 1.66% | -1.53% | -6.32% | -21.60% | -2,176 bps | |
| Share Growth (YoY) | -4.72% | -6.14% | -12.07% | -17.43% | -17.74% | -1,303 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.77% | 0.17% | 0.71% | 1.89% | +137 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.69% | 0.96% | 2.01% | 3.33% | +199 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.87% | 94.88% | 95.53% | 100.85% | 87.57% | -430 bps | |
| Liquid Assets / Assets | 18.20% | 15.81% | 16.18% | 13.22% | 20.72% | +252 bps | |