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Mutual Insurance

Indianapolis, IN · Charter 60008

Q4 1999

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

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

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.

Financial Results

Return on Assets (quarter, annualized)

0.16%-647 bps YoY

Net Interest Margin (quarter, annualized)

3.00%

Efficiency Ratio (quarter, annualized)

93.16%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets6.63%3.27%4.18%3.52%0.16%-647 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.00%n/an/a
Efficiency Ration/an/an/an/a93.16%n/an/a
Growth
Asset Growth (YoY)-29.53%-28.37%-27.38%-13.79%9.34%+3,887 bps
Loan Growth (YoY)-9.50%-26.10%-44.87%-39.48%-30.49%-2,099 bps
Share Growth (YoY)-35.92%-34.05%-32.88%-17.62%11.24%+4,715 bps
Asset Quality
Delinquent Loans / Loans1.21%1.42%0.56%0.30%2.06%+85 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.83%2.11%2.41%2.34%2.43%+60 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares110.08%93.77%74.43%76.78%68.79%-4,129 bps
Liquid Assets / Assets7.38%9.40%32.70%12.56%28.64%+2,126 bps