Philadelphia, PA · Charter 892
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 892
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.32% | 0.50% | 0.06% | -0.11% | -72 bps | |
| Return on Equity | 5.40% | 2.90% | 4.53% | 0.61% | -1.12% | -652 bps | |
| Net Interest Margin | 5.05% | 4.89% | 4.75% | 4.33% | 4.20% | -85 bps | |
| Efficiency Ratio | 89.13% | 90.81% | 87.55% | 88.48% | 88.30% | -83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.17% | 4.40% | 5.50% | 9.04% | 14.57% | +940 bps | |
| Loan Growth (YoY) | 20.53% | 16.13% | 3.80% | -5.88% | -14.71% | -3,524 bps | |
| Share Growth (YoY) | 4.45% | 4.10% | 4.91% | 9.51% | 16.39% | +1,194 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.58% | 2.16% | 2.88% | 1.78% | 2.49% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.40% | 0.40% | 0.52% | 0.68% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.20% | 10.87% | 11.03% | 10.52% | 10.15% | -105 bps | |
| Net Worth / Assets | 11.20% | 10.87% | 11.03% | 10.52% | 10.15% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.67% | 89.42% | 83.58% | 72.86% | 67.91% | -2,476 bps | |
| Liquid Assets / Assets | 10.93% | 13.51% | 22.58% | 31.39% | 35.69% | +2,476 bps | |