Terre Haute, IN · Charter 13869
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.27% | 0.07% | 0.07% | 0.07% | -1.05% | -78 bps | |
| Return on Equity | -2.94% | 0.72% | 0.76% | 0.79% | -12.20% | -926 bps | |
| Net Interest Margin | 2.42% | 2.52% | 2.50% | 2.45% | 2.27% | -16 bps | |
| Efficiency Ratio | 107.64% | 99.90% | 99.41% | 99.18% | 133.32% | +2,568 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.81% | -2.03% | -2.82% | 4.78% | 4.62% | +643 bps | |
| Loan Growth (YoY) | -9.70% | -7.36% | -4.71% | -5.65% | -2.03% | +768 bps | |
| Share Growth (YoY) | -1.92% | -2.27% | -3.22% | 5.27% | 5.14% | +707 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 1.08% | 1.55% | 1.58% | 1.35% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.33% | 0.33% | 0.34% | 0.32% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.13% | 9.52% | 9.45% | 9.22% | 8.60% | -53 bps | |
| Net Worth / Assets | 9.13% | 9.52% | 9.45% | 9.22% | 8.60% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.51% | 48.50% | 48.32% | 46.29% | 43.33% | -317 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |