Louisville, KY · Charter 62501
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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 62501
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.45% | 3.42% | 3.56% | 4.34% | -3.45% | -690 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) | n/a | n/a | -8.63% | -10.44% | -9.47% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 11.20% | -6.46% | -25.80% | n/a | |
| Share Growth (YoY) | n/a | n/a | -13.07% | -15.33% | -10.50% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 8.22% | 13.76% | 9.55% | 7.18% | +628 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 2.73% | 4.63% | 1.95% | 5.62% | +472 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 | 103.30% | 109.97% | 101.56% | 103.13% | 85.63% | -1,767 bps | |
| Liquid Assets / Assets | 10.78% | 12.60% | 11.35% | 12.68% | 13.27% | +249 bps | |