Indianapolis, IN · Charter 19505
NCUA · 1 branch
Q2 2016
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.74% | 0.48% | 0.52% | -0.26% | -88 bps | |
| Return on Equity | 5.04% | 5.91% | 3.72% | 3.91% | -2.05% | -709 bps | |
| Net Interest Margin | 2.71% | 2.72% | 2.67% | 3.09% | 2.42% | -29 bps | |
| Efficiency Ratio | 87.14% | 86.09% | 91.37% | 90.27% | 106.20% | +1,906 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.48% | 2.52% | -4.11% | -1.99% | -2.40% | -388 bps | |
| Loan Growth (YoY) | -0.91% | -6.79% | -5.17% | -12.86% | -23.42% | -2,251 bps | |
| Share Growth (YoY) | 1.25% | -0.16% | -5.21% | -2.73% | -2.62% | -386 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.36% | 1.35% | 0.56% | 0.74% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.56% | 2.66% | 2.57% | 1.85% | 2.15% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.31% | 12.56% | 13.03% | 13.23% | 12.64% | +33 bps | |
| Net Worth / Assets | 12.31% | 12.56% | 13.03% | 13.23% | 12.64% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.83% | 23.53% | 25.05% | 22.45% | 18.74% | -509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |