Terre Haute, IN · Charter 61685
Q4 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.05% | 1.35% | 1.43% | 1.42% | +24 bps | |
| Return on Equity | 5.90% | 5.45% | 6.66% | 6.30% | 5.71% | -19 bps | |
| Net Interest Margin | 3.51% | 3.42% | 3.52% | 3.85% | 4.01% | +50 bps | |
| Efficiency Ratio | 66.46% | 69.29% | 61.52% | 62.91% | 64.62% | -184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.98% | 7.62% | 6.15% | -8.93% | -14.59% | -2,057 bps | |
| Loan Growth (YoY) | -3.24% | -12.29% | -5.02% | -17.13% | -19.79% | -1,655 bps | |
| Share Growth (YoY) | 5.90% | 7.65% | 5.65% | -12.79% | -19.72% | -2,562 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.96% | 3.82% | 3.24% | 1.72% | 1.92% | -304 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.67% | 1.89% | 1.89% | 2.00% | 2.26% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.98% | 19.26% | 20.31% | 22.71% | 24.83% | +486 bps | |
| Net Worth / Assets | 19.98% | 19.26% | 20.31% | 22.71% | 24.83% | +486 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.81% | 48.81% | 52.52% | 53.45% | 55.76% | -5 bps | |
| Liquid Assets / Assets | 33.64% | 39.55% | 36.44% | 34.66% | 48.65% | +1,502 bps | |