Philadelphia, PA · Charter 7805
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 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 7805
Q1 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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 1.57% | 0.83% | 0.18% | 0.64% | +10 bps | |
| Return on Equity | 3.71% | 9.73% | 5.42% | 1.19% | 3.74% | +3 bps | |
| Net Interest Margin | 3.68% | 4.58% | 3.41% | 2.95% | 4.20% | +53 bps | |
| Efficiency Ratio | 81.72% | 65.75% | 71.62% | 89.22% | 81.07% | -65 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.95% | -8.50% | -0.24% | 1.56% | -12.86% | -990 bps | |
| Loan Growth (YoY) | -23.31% | -31.36% | -31.94% | -28.69% | -24.68% | -137 bps | |
| Share Growth (YoY) | -4.70% | -11.57% | -1.56% | 1.34% | -15.39% | -1,069 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.10% | 0.00% | 0.00% | 0.00% | 3.45% | -365 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.40% | 0.52% | 0.56% | 0.77% | +56 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.55% | 16.10% | 15.28% | 14.84% | 17.04% | +248 bps | |
| Net Worth / Assets | 14.55% | 16.10% | 15.28% | 14.84% | 17.04% | +248 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.47% | 52.36% | 46.24% | 49.56% | 48.48% | -598 bps | |
| Liquid Assets / Assets | 52.70% | 55.34% | 46.72% | 57.17% | 52.60% | -10 bps | |