Anderson, IN · Charter 2747
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Anderson, IN · Charter 2747
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.63% | 2.80% | 0.28% | -0.08% | 1.82% | -81 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -13.20% | -15.54% | -18.67% | -17.82% | -16.70% | -350 bps | |
| Loan Growth (YoY) | 16.63% | -0.56% | -20.56% | -19.03% | -17.26% | -3,389 bps | |
| Share Growth (YoY) | -13.52% | -16.60% | -19.40% | -18.75% | -17.89% | -437 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.46% | 2.67% | 4.44% | 0.00% | 1.97% | -649 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.09% | 3.86% | 2.75% | 0.82% | 1.43% | -166 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 | 79.26% | 73.00% | 77.76% | 83.38% | 79.87% | +61 bps | |
| Liquid Assets / Assets | 27.61% | 30.13% | 26.02% | 23.86% | 28.13% | +53 bps | |