Newtown Square, PA · Charter 68422
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Newtown Square, PA · Charter 68422
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.10% | 0.65% | 0.75% | 0.76% | 0.83% | -27 bps | |
| Return on Equity | 11.61% | 7.00% | 8.13% | 8.12% | 8.76% | -285 bps | |
| Net Interest Margin | 3.78% | 3.59% | 3.54% | 3.58% | 3.55% | -23 bps | |
| Efficiency Ratio | 77.23% | 83.42% | 79.94% | 77.26% | 75.14% | -209 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.00% | 7.27% | 8.66% | 9.60% | 10.20% | +120 bps | |
| Loan Growth (YoY) | 17.46% | 19.14% | 13.39% | 6.93% | 10.99% | -647 bps | |
| Share Growth (YoY) | 9.90% | 6.83% | 7.00% | 6.74% | 7.48% | -242 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.14% | 0.14% | 0.36% | 0.49% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.38% | 0.40% | 0.50% | 0.53% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.49% | 9.31% | 9.24% | 9.37% | 9.44% | -5 bps | |
| Net Worth / Assets | 9.49% | 9.31% | 9.24% | 9.37% | 9.44% | -5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.09% | 93.42% | 97.45% | 97.12% | 97.16% | +307 bps | |
| Liquid Assets / Assets | 3.36% | 5.39% | 3.29% | 4.48% | 5.14% | +178 bps | |