PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cooperatives

Indianapolis, IN · Charter 22240

Q2 2001

$5.4MAssets
$3.9MLoans
$4.7MShares
$665KNet 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 -0.43%, down 253 bps year over year; NIM at 6.12%.
  • Asset quality: problem loans at 1.59% of loans (+21 bps YoY).
  • Capital: net worth / assets of 12.43%.
  • Funding: loans stand at 83.64% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

-0.43%-253 bps YoY

Net Interest Margin (YTD, annualized)

6.12%

Efficiency Ratio (YTD, annualized)

85.55%

Net Worth / Assets

12.43%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets2.10%0.02%-0.43%-1.23%-0.43%-253 bps
Return on Equityn/an/an/a-9.67%-3.48%n/a
Net Interest Marginn/a5.78%6.12%6.57%6.12%n/a
Efficiency Ration/a91.30%85.55%81.99%85.55%n/a
Growth
Asset Growth (YoY)3.11%-2.33%-0.58%-1.94%0.03%-308 bps
Loan Growth (YoY)-5.81%-11.81%-9.39%-1.30%-2.86%+294 bps
Share Growth (YoY)2.28%-3.02%-0.37%-0.73%0.30%-198 bps
Asset Quality
Delinquent Loans / Loans1.38%2.09%1.59%0.13%1.59%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.81%0.92%0.89%0.92%+12 bps
Capital
Risk-Based Capitaln/an/an/a12.72%12.43%n/a
Net Worth / Assetsn/an/an/a12.72%12.43%n/a
Liquidity & Funding
Loans / Shares86.36%87.01%83.64%98.08%83.64%-273 bps
Liquid Assets / Assets20.52%21.11%23.92%8.72%23.92%+340 bps