Philadelphia, PA · Charter 6792
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -1.09% | -7.23% | -6.05% | -4.41% | -442 bps | |
| Return on Equity | 0.10% | -7.68% | -71.16% | -59.39% | -39.55% | -3,965 bps | |
| Net Interest Margin | 6.35% | 5.96% | 5.83% | 5.93% | 6.49% | +14 bps | |
| Efficiency Ratio | 92.97% | 113.06% | 112.93% | 124.08% | 112.32% | +1,935 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.05% | 6.93% | 1.58% | -0.95% | -6.14% | -309 bps | |
| Loan Growth (YoY) | -2.69% | -5.36% | -13.07% | -9.44% | -18.78% | -1,609 bps | |
| Share Growth (YoY) | -4.12% | 8.19% | 6.50% | 4.41% | -2.08% | +204 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.04% | 10.45% | 4.23% | 0.91% | 2.58% | -446 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.24% | 5.90% | 9.28% | 9.41% | 10.30% | +506 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.38% | 14.14% | 10.16% | 10.18% | 11.14% | -324 bps | |
| Net Worth / Assets | 14.38% | 14.14% | 10.16% | 10.18% | 11.14% | -324 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.44% | 44.36% | 36.59% | 39.23% | 38.53% | -792 bps | |
| Liquid Assets / Assets | 36.62% | 8.33% | 16.74% | 19.51% | 11.90% | -2,472 bps | |