Philadelphia, PA · Charter 9574
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 9574
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.71% | 2.84% | 3.39% | 3.35% | 3.24% | -47 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -13.04% | -7.54% | -10.12% | -5.62% | -4.58% | +846 bps | |
| Loan Growth (YoY) | -36.13% | -47.36% | -49.76% | -34.53% | -47.65% | -1,152 bps | |
| Share Growth (YoY) | -16.30% | -9.94% | -13.60% | -6.37% | -6.44% | +986 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 23.75% | 20.25% | 16.87% | 16.57% | 9.66% | -1,409 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.83% | 14.11% | 9.20% | 9.20% | 7.47% | -535 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.53% | 7.21% | 5.91% | 5.68% | 5.89% | -464 bps | |
| Liquid Assets / Assets | 41.99% | 54.79% | 73.00% | 83.02% | 43.93% | +194 bps | |