Jeffersonville, IN · Charter 14494
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.86% | 0.04% | 1.75% | 1.98% | 1.86% | 0 bps | |
| Return on Equity | 9.98% | 0.21% | 9.02% | 10.21% | 9.98% | 0 bps | |
| Net Interest Margin | 5.79% | 4.90% | 6.83% | 6.76% | 5.79% | 0 bps | |
| Efficiency Ratio | 67.94% | 99.22% | 74.41% | 70.74% | 67.94% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.01% | -15.42% | -5.64% | -8.79% | 0.00% | +1,101 bps | |
| Loan Growth (YoY) | -9.40% | 7.11% | 10.91% | 0.89% | 0.00% | +940 bps | |
| Share Growth (YoY) | -12.25% | -18.27% | -6.95% | -9.86% | 0.00% | +1,225 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.25% | 2.11% | 2.06% | 0.00% | 2.24% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.62% | 1.58% | 0.78% | 1.68% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.61% | 17.95% | 19.37% | 19.37% | 18.61% | 0 bps | |
| Net Worth / Assets | 18.61% | 17.95% | 19.37% | 19.37% | 18.61% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.57% | 81.96% | 90.09% | 84.07% | 76.57% | 0 bps | |
| Liquid Assets / Assets | 37.87% | 32.99% | 27.56% | 31.97% | 37.87% | 0 bps | |