Louisville, KY · Charter 62305
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.
Louisville, KY · Charter 62305
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 | 3.02% | 3.11% | 2.47% | 2.84% | -1.59% | -461 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) | -29.29% | -27.87% | -24.28% | -22.13% | -20.13% | +916 bps | |
| Loan Growth (YoY) | -24.15% | -21.91% | -24.28% | -23.24% | -35.78% | -1,162 bps | |
| Share Growth (YoY) | -36.30% | -35.63% | -30.88% | -29.10% | -23.64% | +1,266 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 2.26% | 0.37% | 0.20% | 0.43% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.68% | 0.87% | 0.95% | 1.42% | +57 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 | 89.99% | 99.58% | 85.13% | 97.51% | 75.69% | -1,431 bps | |
| Liquid Assets / Assets | 32.14% | 25.72% | 36.92% | 27.76% | 35.54% | +340 bps | |