PackageTrendsPeer
Letter portraitLegal landscape

Wabash Valley Employees

Covington, IN · Charter 13490

Q4 1999

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: Q4 1999, the quarter ended December 31, 1999, 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

Wabash Valley Employees

Covington, IN · Charter 13490

Q4 1999

$3.3MAssets
$2.4MLoans
$3.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -0.17%, down 395 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 3.12% of loans (+13 bps YoY).
  • Funding: loans stand at 77.63% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

-0.17%-395 bps YoY

Net Interest Margin (YTD, annualized)

4.51%
n/a

Efficiency Ratio (YTD, annualized)

100.36%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.34%4.25%3.93%3.77%1.95%2.47%2.11%-0.17%-395 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.51%n/an/a
Efficiency Ration/an/an/an/an/an/an/a100.36%n/an/a
Growth
Asset Growth (YoY)-21.89%-20.47%2.60%9.03%-4.14%-5.31%-22.19%-24.65%-3,369 bps
Loan Growth (YoY)-9.30%-15.41%-11.65%-9.37%-8.96%-16.77%-15.06%-2.41%+695 bps
Share Growth (YoY)-24.55%-22.62%2.53%9.97%-3.18%-3.48%-21.07%-24.84%-3,482 bps
Asset Quality
Delinquent Loans / Loans2.70%2.20%2.20%2.99%4.19%4.01%4.21%3.12%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.52%1.44%1.02%1.89%2.92%3.46%3.07%0.93%-96 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares66.46%72.41%63.13%59.79%62.50%62.43%67.94%77.63%+1,784 bps
Liquid Assets / Assets23.01%14.25%26.98%33.21%30.78%29.93%26.35%13.60%-1,961 bps