Indianapolis, IN · Charter 10732
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Indianapolis, IN · Charter 10732
Q2 1997
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.33% | 4.13% | 4.05% | 3.99% | 3.62% | -71 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) | n/a | n/a | 17.80% | 21.77% | 20.90% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 23.23% | 18.69% | 15.33% | n/a | |
| Share Growth (YoY) | n/a | n/a | 16.85% | 21.94% | 21.98% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 2.02% | 2.15% | 2.43% | 2.09% | +55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.17% | 1.05% | 0.86% | 0.88% | -22 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 | 91.59% | 94.78% | 86.30% | 85.22% | 86.59% | -499 bps | |
| Liquid Assets / Assets | 11.79% | 10.55% | 18.69% | 20.04% | 17.62% | +583 bps | |