PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Daviess County

Elnora, IN · Charter 20903

Q2 1996

$1.5MAssets
$1.1MLoans
$1.3MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.65%, down 266 bps year over year.
  • Asset quality: problem loans at 2.51% of loans (+148 bps YoY).
  • Funding: loans stand at 84.00% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

3.65%-266 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets6.31%5.54%5.18%5.52%3.65%-266 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a6.98%n/an/a
Loan Growth (YoY)n/an/an/an/a10.54%n/an/a
Share Growth (YoY)n/an/an/an/a5.17%n/an/a
Asset Quality
Delinquent Loans / Loans1.03%1.58%0.90%2.18%2.51%+148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.53%0.41%0.45%0.66%+18 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares79.92%78.10%86.42%93.44%84.00%+408 bps
Liquid Assets / Assets22.57%26.63%20.55%10.72%15.94%-663 bps