Indianapolis, IN · Charter 2461
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Indianapolis, IN · Charter 2461
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | 0.02% | -0.28% | -0.53% | -0.86% | -71 bps | |
| Return on Equity | -1.87% | 0.20% | -3.21% | -5.74% | -9.73% | -786 bps | |
| Net Interest Margin | 2.33% | 2.26% | 2.25% | 2.26% | 2.19% | -13 bps | |
| Efficiency Ratio | 105.92% | 97.61% | 109.24% | 119.42% | 126.89% | +2,097 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.25% | -8.04% | -11.02% | -16.96% | -16.15% | -390 bps | |
| Loan Growth (YoY) | -3.41% | -5.55% | -2.11% | -6.01% | -11.57% | -816 bps | |
| Share Growth (YoY) | -13.04% | -8.47% | -15.85% | -17.99% | -16.80% | -375 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.59% | 0.87% | 0.62% | 0.01% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.03% | 0.06% | 0.09% | 0.09% | 0.00% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.13% | 7.99% | 8.63% | 9.15% | 8.84% | +71 bps | |
| Net Worth / Assets | 8.13% | 7.99% | 8.63% | 9.15% | 8.84% | +71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.73% | 30.24% | 35.38% | 35.89% | 34.79% | +206 bps | |
| Liquid Assets / Assets | 26.18% | 35.89% | 0.00% | 0.00% | 0.00% | -2,618 bps | |