Indianapolis, IN · Charter 62916
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Indianapolis, IN · Charter 62916
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.43% | 5.37% | 4.49% | 4.24% | 2.96% | -247 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 | n/a | -1.15% | 7.77% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -10.19% | -24.68% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 0.10% | 12.37% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.59% | 8.18% | 6.20% | 3.77% | 1.54% | -105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 2.58% | 1.79% | 2.55% | 3.17% | +119 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 | 92.66% | 93.79% | 91.63% | 73.40% | 62.10% | -3,055 bps | |
| Liquid Assets / Assets | 14.21% | 14.47% | 6.16% | 32.75% | 39.63% | +2,542 bps | |