Valparaiso, IN · Charter 6205
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Valparaiso, IN · Charter 6205
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.18% | 0.10% | 0.06% | 0.15% | 0.12% | -306 bps | |
| Return on Equity | n/a | n/a | n/a | 1.69% | 1.48% | n/a | |
| Net Interest Margin | n/a | 3.69% | 3.64% | 3.72% | 3.47% | n/a | |
| Efficiency Ratio | n/a | 94.91% | 94.21% | 92.90% | 91.96% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 17.30% | 9.42% | 11.19% | -1.89% | 8.70% | -860 bps | |
| Loan Growth (YoY) | -4.59% | -2.10% | 8.54% | 9.14% | 5.06% | +965 bps | |
| Share Growth (YoY) | 16.83% | 10.55% | 12.27% | -1.75% | 9.45% | -739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.17% | 0.37% | 0.53% | 0.30% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.38% | 0.41% | 0.41% | 0.35% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 8.88% | 8.32% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 8.88% | 8.32% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.27% | 66.20% | 68.68% | 68.93% | 62.65% | -262 bps | |
| Liquid Assets / Assets | 32.24% | 7.90% | 13.41% | 30.18% | 17.67% | -1,457 bps | |