Peru, IN · Charter 12147
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, 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.
Peru, IN · Charter 12147
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | -0.80% | -0.57% | -0.57% | -1.46% | -148 bps | |
| Return on Equity | 0.16% | -6.17% | -4.46% | -4.54% | -12.67% | -1,283 bps | |
| Net Interest Margin | 4.10% | 3.78% | 3.67% | 3.66% | 3.44% | -65 bps | |
| Efficiency Ratio | 93.38% | 109.47% | 107.75% | 106.54% | 111.65% | +1,827 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.34% | -1.53% | -0.74% | -0.11% | 3.67% | +601 bps | |
| Loan Growth (YoY) | 14.12% | 14.28% | 7.62% | -2.97% | -8.86% | -2,298 bps | |
| Share Growth (YoY) | -2.32% | -1.23% | -0.29% | 0.48% | 6.16% | +848 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.16% | 0.14% | 0.28% | 0.31% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.71% | 0.59% | 0.72% | 1.90% | +121 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.43% | 12.92% | 12.69% | 12.58% | 11.52% | -191 bps | |
| Net Worth / Assets | 13.43% | 12.92% | 12.69% | 12.58% | 11.52% | -191 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.24% | 56.56% | 56.28% | 55.57% | 51.71% | -852 bps | |
| Liquid Assets / Assets | 23.70% | 29.03% | 26.96% | 31.48% | 39.27% | +1,556 bps | |