PackageTrendsPeer
Letter portraitLegal landscape

Indiana University Employees

Bloomington, IN · Charter 10827

Q3 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Indiana University Employees

Bloomington, IN · Charter 10827

Q3 2007

$565.2MAssets
$330.4MLoans
$489.8MShares
$68.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.90%, down 6 bps year over year; NIM at 2.69%.
  • Asset quality: problem loans at 0.69% of loans (+14 bps YoY).
  • Capital: net worth / assets of 12.04%, down 13 bps from a year ago.
  • Funding: loans stand at 67.46% of shares as of Q3 2007.

Return on Assets (YTD, annualized)

0.90%-6 bps YoY

Net Interest Margin (YTD, annualized)

2.69%-13 bps YoY

Efficiency Ratio (YTD, annualized)

71.57%-140 bps YoY

Net Worth / Assets

12.04%-13 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.88%0.94%0.95%0.96%0.99%0.91%1.00%0.90%-6 bps
Return on Equity6.98%7.74%7.71%7.88%7.87%7.65%8.32%7.50%-38 bps
Net Interest Margin2.78%2.84%2.85%2.82%2.85%2.69%2.70%2.69%-13 bps
Efficiency Ratio75.60%74.29%73.68%72.97%72.34%73.55%70.48%71.57%-140 bps
Growth
Asset Growth (YoY)2.47%3.21%5.76%6.79%9.40%10.66%11.41%9.43%+264 bps
Loan Growth (YoY)10.18%13.32%19.98%22.42%20.01%15.83%7.16%2.12%-2,030 bps
Share Growth (YoY)1.58%2.41%5.31%6.30%9.47%11.22%12.19%9.80%+351 bps
Asset Quality
Delinquent Loans / Loans0.66%0.78%0.58%0.56%0.58%0.62%0.72%0.69%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.37%0.38%0.36%0.35%0.38%0.40%0.43%0.45%+10 bps
Capital
Risk-Based Capital12.66%12.09%12.28%12.18%12.56%11.85%12.00%12.04%-13 bps
Net Worth / Assets12.66%12.09%12.28%12.18%12.56%11.85%12.00%12.04%-13 bps
Liquidity & Funding
Loans / Shares68.27%65.47%71.03%72.54%74.84%68.18%67.85%67.46%-508 bps
Liquid Assets / Assets31.68%33.47%0.00%0.00%0.00%0.00%0.00%0.00%0 bps