Louisville, KY · Charter 62526
Q4 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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.71% | 4.13% | 4.27% | 2.93% | 3.57% | -114 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) | 2.46% | 0.33% | -10.78% | -30.86% | -50.26% | -5,272 bps | |
| Loan Growth (YoY) | -5.15% | -16.12% | -17.61% | -43.29% | -53.00% | -4,785 bps | |
| Share Growth (YoY) | 0.79% | -1.66% | -14.71% | -40.68% | -65.78% | -6,657 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.82% | 2.76% | 3.45% | 8.22% | 50.24% | +4,642 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.49% | 4.31% | 5.28% | 6.07% | 4.17% | +68 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 | 53.07% | 49.10% | 52.95% | 51.62% | 72.89% | +1,982 bps | |
| Liquid Assets / Assets | 49.26% | 62.79% | 62.35% | 65.72% | 57.98% | +873 bps | |