Indianapolis, IN · Charter 60371
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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 60371
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.37% | 3.60% | 3.37% | 3.55% | 3.11% | -26 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) | -6.19% | -6.58% | 4.57% | 2.62% | 5.45% | +1,164 bps | |
| Loan Growth (YoY) | -28.60% | -28.50% | -28.12% | -3.14% | 2.30% | +3,091 bps | |
| Share Growth (YoY) | -7.28% | -7.06% | 5.09% | 2.69% | 5.98% | +1,327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.92% | 1.58% | 1.03% | 1.13% | 1.01% | -90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.78% | 1.94% | 1.89% | 1.74% | 1.81% | +3 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 | 42.06% | 45.51% | 38.05% | 44.62% | 40.60% | -146 bps | |
| Liquid Assets / Assets | 58.31% | 58.76% | 57.42% | 58.94% | 62.21% | +390 bps | |