Philadelphia, PA · Charter 95
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 95
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.47% | 0.52% | 1.09% | 0.83% | +99 bps | |
| Return on Equity | -1.30% | 3.60% | 4.17% | 8.16% | 6.22% | +753 bps | |
| Net Interest Margin | 3.14% | 3.26% | 3.01% | 3.42% | 3.23% | +8 bps | |
| Efficiency Ratio | 92.93% | 78.38% | 80.30% | 70.90% | 71.64% | -2,129 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.34% | 1.47% | 3.01% | 3.07% | 4.28% | +763 bps | |
| Loan Growth (YoY) | 8.53% | 12.36% | 16.71% | 30.94% | 26.44% | +1,791 bps | |
| Share Growth (YoY) | -3.95% | 1.04% | 2.96% | 2.19% | 3.20% | +714 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.10% | 5.98% | 4.40% | 0.87% | 4.96% | -214 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.92% | 1.94% | 1.81% | 1.03% | 1.08% | -84 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.60% | 13.04% | 12.46% | 13.38% | 13.28% | +68 bps | |
| Net Worth / Assets | 12.60% | 13.04% | 12.46% | 13.38% | 13.28% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.50% | 61.69% | 61.36% | 69.04% | 70.45% | +1,295 bps | |
| Liquid Assets / Assets | 33.77% | 40.07% | 39.51% | 0.00% | 0.00% | -3,377 bps | |