Columbus, IN · Charter 62669
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.23% | -2.86% | -0.50% | 0.30% | -0.81% | -304 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) | -1.45% | -3.28% | -15.35% | -12.52% | 0.09% | +154 bps | |
| Loan Growth (YoY) | -10.83% | -16.06% | -30.62% | -19.33% | -9.36% | +147 bps | |
| Share Growth (YoY) | -7.86% | -2.76% | -8.94% | -10.10% | -1.43% | +643 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.58% | 0.31% | 3.62% | 5.48% | 5.24% | +66 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.59% | 0.72% | 0.76% | 1.69% | 0.78% | -181 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 | 102.79% | 72.91% | 90.28% | 92.21% | 94.51% | -828 bps | |
| Liquid Assets / Assets | 0.23% | 19.74% | 5.25% | 0.00% | 0.00% | -23 bps | |