West Lafayette, IN · Charter 14729
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 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.
West Lafayette, IN · Charter 14729
Q1 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.77% | 0.92% | -0.70% | -9.39% | -1,008 bps | |
| Return on Equity | 6.28% | 6.90% | 8.29% | -7.27% | -127.39% | -13,366 bps | |
| Net Interest Margin | 1.18% | 1.32% | 1.39% | -0.30% | -8.82% | -1,001 bps | |
| Efficiency Ratio | 15.59% | 13.94% | 14.68% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 23.90% | 14.71% | 13.70% | 9.72% | 2.87% | -2,104 bps | |
| Loan Growth (YoY) | -7.89% | -5.49% | -3.75% | -2.50% | -4.98% | +291 bps | |
| Share Growth (YoY) | 26.67% | 16.30% | 15.01% | 12.08% | 7.82% | -1,885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.52% | 0.67% | 0.76% | 0.82% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.50% | 0.51% | 0.50% | 0.54% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.90% | 11.10% | 11.12% | 9.57% | 7.37% | -353 bps | |
| Net Worth / Assets | 10.90% | 11.10% | 11.12% | 9.57% | 7.37% | -353 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.78% | 40.18% | 39.14% | 37.33% | 35.94% | -484 bps | |
| Liquid Assets / Assets | 18.23% | 19.22% | 17.40% | 18.40% | 19.06% | +83 bps | |