Louisville, KY · Charter 62421
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.60% | 3.56% | 1.38% | -0.53% | 3.31% | -28 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) | 17.33% | 14.63% | 6.14% | -4.15% | -19.09% | -3,642 bps | |
| Loan Growth (YoY) | 23.28% | 14.40% | 10.36% | -1.02% | -9.91% | -3,320 bps | |
| Share Growth (YoY) | 21.18% | 19.64% | 6.11% | -2.42% | -17.71% | -3,889 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.15% | 4.73% | 0.00% | 3.95% | 2.77% | -138 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.53% | 1.25% | 0.93% | 4.34% | 0.00% | -353 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 | 72.66% | 75.88% | 71.37% | 84.24% | 79.55% | +688 bps | |
| Liquid Assets / Assets | 22.84% | 15.28% | 19.72% | 21.62% | 19.70% | -314 bps | |