Hammond, IN · Charter 20605
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.16% | 3.56% | 4.26% | 3.48% | 3.83% | -133 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 13.05% | -8.38% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -7.25% | -10.90% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 12.86% | -10.48% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.02% | 1.50% | 5.39% | 3.36% | 11.89% | +587 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.94% | 3.19% | 2.93% | 4.55% | 5.14% | +120 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 | 75.36% | 63.40% | 76.31% | 59.89% | 75.00% | -36 bps | |
| Liquid Assets / Assets | 30.83% | 30.95% | 31.95% | 30.22% | 31.70% | +88 bps | |