Elkhart, IN · Charter 24611
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Elkhart, IN · Charter 24611
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.67% | 3.30% | 3.76% | 0.75% | 1.06% | -62 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 | 3.13% | 4.54% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 53.20% | 54.01% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -40.05% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -8.80% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -42.78% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 2.65% | 4.45% | 7.62% | 5.98% | +598 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.93% | 2.07% | 3.31% | 4.24% | +414 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 | 22.83% | 21.87% | 20.89% | 25.99% | 36.39% | +1,356 bps | |
| Liquid Assets / Assets | 58.65% | 61.76% | 75.82% | 56.33% | 36.77% | -2,188 bps | |