PackageTrendsPeer
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Valparaiso University

Valparaiso, IN · Charter 6205

Q2 2001

$13.6MAssets
$7.8MLoans
$12.4MShares
$1.1MNet 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 0.12%, down 306 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.30% of loans (+7 bps YoY).
  • Capital: net worth / assets of 8.32%.
  • Funding: loans stand at 62.65% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.12%-306 bps YoY

Net Interest Margin (YTD, annualized)

3.47%

Efficiency Ratio (YTD, annualized)

91.96%

Net Worth / Assets

8.32%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.18%0.10%0.06%0.15%0.12%-306 bps
Return on Equityn/an/an/a1.69%1.48%n/a
Net Interest Marginn/a3.69%3.64%3.72%3.47%n/a
Efficiency Ration/a94.91%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 / Loans0.23%0.17%0.37%0.53%0.30%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.38%0.41%0.41%0.35%-18 bps
Capital
Risk-Based Capitaln/an/an/a8.88%8.32%n/a
Net Worth / Assetsn/an/an/a8.88%8.32%n/a
Liquidity & Funding
Loans / Shares65.27%66.20%68.68%68.93%62.65%-262 bps
Liquid Assets / Assets32.24%7.90%13.41%30.18%17.67%-1,457 bps