Merrillville, IN · Charter 532
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.86% | 0.92% | 0.88% | 0.95% | +10 bps | |
| Return on Equity | 6.20% | 6.08% | 6.60% | 6.14% | 6.41% | +21 bps | |
| Net Interest Margin | 2.83% | 2.87% | 2.65% | 2.73% | 2.82% | 0 bps | |
| Efficiency Ratio | 69.66% | 70.42% | 67.75% | 70.42% | 69.46% | -20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.88% | -0.56% | 0.11% | 0.22% | -1.63% | -252 bps | |
| Loan Growth (YoY) | 7.15% | 5.28% | -0.33% | -3.93% | -7.92% | -1,507 bps | |
| Share Growth (YoY) | -0.08% | -1.73% | -0.82% | -0.74% | -2.96% | -288 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 1.02% | 0.90% | 1.00% | 1.22% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.70% | 0.68% | 0.63% | 0.56% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.70% | 14.16% | 13.90% | 14.27% | 14.85% | +115 bps | |
| Net Worth / Assets | 13.70% | 14.16% | 13.90% | 14.27% | 14.85% | +115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.69% | 52.76% | 49.57% | 49.12% | 49.99% | -270 bps | |
| Liquid Assets / Assets | 21.91% | 24.17% | 34.10% | 0.00% | 0.00% | -2,191 bps | |