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Mutual Insurance

Indianapolis, IN · Charter 60008

Q4 1999

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Mutual Insurance

Indianapolis, IN · Charter 60008

Q4 1999

$408KAssets
$224KLoans
$326KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.16%, down 647 bps year over year; NIM at 3.00%.
  • Asset quality: problem loans at 2.06% of loans (+85 bps YoY).
  • Funding: loans stand at 68.79% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

0.16%-647 bps YoY

Net Interest Margin (YTD, annualized)

3.00%
n/a

Efficiency Ratio (YTD, annualized)

93.16%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.62%5.71%5.28%6.63%3.27%4.18%3.52%0.16%-647 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.00%n/an/a
Efficiency Ration/an/an/an/an/an/an/a93.16%n/an/a
Growth
Asset Growth (YoY)1.07%-1.84%-18.15%-29.53%-28.37%-27.38%-13.79%9.34%+3,887 bps
Loan Growth (YoY)20.50%14.92%10.51%-9.50%-26.10%-44.87%-39.48%-30.49%-2,099 bps
Share Growth (YoY)-0.76%-4.40%-22.71%-35.92%-34.05%-32.88%-17.62%11.24%+4,715 bps
Asset Quality
Delinquent Loans / Loans0.56%0.43%0.19%1.21%1.42%0.56%0.30%2.06%+85 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.51%1.60%1.83%2.11%2.41%2.34%2.43%+60 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares83.70%90.61%104.51%110.08%93.77%74.43%76.78%68.79%-4,129 bps
Liquid Assets / Assets28.71%18.72%16.08%7.38%9.40%32.70%12.56%28.64%+2,126 bps