Lafayette, IN · Charter 1531
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.39% | -3.33% | -2.60% | 1.94% | 0.67% | -271 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.65% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 76.55% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -31.06% | -34.36% | -22.20% | -24.45% | -5.58% | +2,548 bps | |
| Loan Growth (YoY) | -40.95% | -36.46% | -28.95% | 6.47% | 8.36% | +4,931 bps | |
| Share Growth (YoY) | -30.19% | -31.88% | -20.06% | -22.78% | -1.03% | +2,916 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.95% | 14.93% | 6.96% | 8.69% | 16.51% | +356 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.61% | 7.12% | 4.85% | 5.88% | 6.55% | +194 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.40% | 78.29% | 83.19% | 93.37% | 91.32% | +791 bps | |
| Liquid Assets / Assets | 29.19% | 32.45% | 25.63% | 15.98% | 6.07% | -2,312 bps | |