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Indiana United Methodist

Bunker Hill, IN · Charter 11799

NCUA · 2 branches

Q3 2016

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 2016, the quarter ended September 30, 2016, 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 United Methodist

Bunker Hill, IN · Charter 11799

NCUA · 2 branches

Q3 2016

$963KAssets
$781KLoans
$859KShares
$102KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.46%, up 122 bps year over year; NIM at 5.97%.
  • Asset quality: problem loans at 0.27% of loans (-128 bps YoY).
  • Capital: net worth / assets of 10.60%, down 8 bps from a year ago.
  • Funding: loans stand at 90.96% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.46%+122 bps YoY

Net Interest Margin (YTD, annualized)

5.97%+197 bps YoY

Efficiency Ratio (YTD, annualized)

136.06%-2,227 bps YoY

Net Worth / Assets

10.60%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-3.67%-3.28%-1.94%-2.25%-2.46%+122 bps
Return on Equity-34.38%-33.28%-21.01%-21.73%-23.16%+1,121 bps
Net Interest Margin4.00%4.10%4.69%5.56%5.97%+197 bps
Efficiency Ratio158.32%153.88%136.58%135.69%136.06%-2,227 bps
Growth
Asset Growth (YoY)-2.93%-1.58%-3.49%-20.01%-18.99%-1,607 bps
Loan Growth (YoY)2.38%10.19%-1.12%-0.50%-4.32%-670 bps
Share Growth (YoY)0.11%1.95%-0.59%-19.97%-18.94%-1,905 bps
Asset Quality
Delinquent Loans / Loans1.55%0.17%1.22%0.12%0.27%-128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%1.06%1.11%1.14%1.22%+5 bps
Capital
Risk-Based Capital10.68%9.87%9.22%10.34%10.60%-8 bps
Net Worth / Assets10.68%9.87%9.22%10.34%10.60%-8 bps
Liquidity & Funding
Loans / Shares77.07%82.56%76.83%89.85%90.96%+1,390 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps