Indianapolis, IN · Charter 273
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 273
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.17% | -0.16% | -2.10% | -0.85% | -10.97% | -980 bps | |
| Return on Equity | -6.20% | -0.86% | -12.02% | -4.97% | -79.16% | -7,296 bps | |
| Net Interest Margin | 4.32% | 4.34% | 4.20% | 3.56% | -1.24% | -556 bps | |
| Efficiency Ratio | 123.30% | 103.59% | 118.97% | 118.65% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.14% | -3.17% | -5.06% | -3.33% | -11.08% | -1,094 bps | |
| Loan Growth (YoY) | 14.87% | 8.49% | 1.71% | -2.68% | 1.74% | -1,313 bps | |
| Share Growth (YoY) | 1.28% | -3.23% | -3.46% | -0.83% | -5.63% | -692 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.04% | 6.98% | 0.94% | 2.25% | 1.80% | -524 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.30% | 0.04% | 0.07% | 1.73% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.91% | 19.14% | 17.46% | 17.09% | 13.86% | -505 bps | |
| Net Worth / Assets | 18.91% | 19.14% | 17.46% | 17.09% | 13.86% | -505 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.11% | 69.04% | 72.07% | 71.30% | 78.82% | +571 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |