Philadelphia, PA · Charter 7161
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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 7161
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.27% | 0.34% | 0.55% | 0.49% | 0.49% | 0.34% | -32.89% | -3,344 bps | |
| Return on Equity | 4.98% | 3.13% | 3.78% | 6.38% | 5.30% | 5.25% | 3.78% | -2517% | -252,354 bps | |
| Net Interest Margin | 4.35% | 4.43% | 4.65% | 4.50% | 4.67% | 4.22% | 4.50% | 4.47% | -3 bps | |
| Efficiency Ratio | 87.91% | 90.74% | 89.82% | 85.53% | 85.53% | 91.05% | 84.82% | 370% | +28,442 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.25% | -3.62% | -3.75% | -3.23% | -4.11% | -2.03% | 2.98% | -6.97% | -374 bps | |
| Loan Growth (YoY) | -2.22% | -3.19% | -2.41% | -0.33% | -0.40% | -1.54% | -3.95% | -5.01% | -468 bps | |
| Share Growth (YoY) | -2.85% | -4.26% | -4.34% | -3.89% | -4.79% | -2.72% | 2.85% | -2.75% | +114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.00% | 6.07% | 2.88% | 3.59% | 2.94% | 6.51% | 7.49% | 4.69% | +111 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 | 2.08% | 1.92% | 1.69% | 1.51% | 1.54% | 1.60% | 1.85% | 11.50% | +999 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.48% | 8.59% | 8.92% | 8.67% | 9.21% | 9.26% | 9.00% | 1.31% | -736 bps | |
| Net Worth / Assets | 8.48% | 8.59% | 8.92% | 8.67% | 9.21% | 9.26% | 9.00% | 1.31% | -736 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.71% | 45.58% | 47.22% | 43.88% | 46.77% | 46.13% | 44.09% | 42.86% | -102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |