Elkhart, IN · Charter 14543
Q4 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.13% | 0.15% | 0.17% | -0.08% | -9 bps | |
| Return on Equity | 0.13% | 1.53% | 1.68% | 1.93% | -0.54% | -67 bps | |
| Net Interest Margin | 2.72% | 2.47% | 2.49% | 2.54% | 4.02% | +130 bps | |
| Efficiency Ratio | 91.83% | 94.64% | 94.54% | 94.03% | 99.95% | +811 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.21% | 1.19% | -0.19% | -1.76% | -39.24% | -4,145 bps | |
| Loan Growth (YoY) | -2.55% | -6.44% | -13.38% | -13.26% | -36.57% | -3,402 bps | |
| Share Growth (YoY) | 2.36% | 1.36% | -0.46% | -2.11% | -43.38% | -4,574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.11% | 2.92% | 5.93% | 5.85% | 8.29% | +417 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 2.03% | 2.05% | 2.08% | 2.62% | +65 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.71% | 8.39% | 8.69% | 9.02% | 14.26% | +555 bps | |
| Net Worth / Assets | 8.71% | 8.39% | 8.69% | 9.02% | 14.26% | +555 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.06% | 49.45% | 48.91% | 49.49% | 60.56% | +650 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |