PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Highway

Indianapolis, IN · Charter 62916

Q4 1996

$2.4MAssets
$1.4MLoans
$2.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.96%, down 247 bps year over year.
  • Asset quality: problem loans at 1.54% of loans (-105 bps YoY).
  • Funding: loans stand at 62.10% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

2.96%-247 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets5.43%5.37%4.49%4.24%2.96%-247 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a-1.15%7.77%n/a
Loan Growth (YoY)n/an/an/a-10.19%-24.68%n/a
Share Growth (YoY)n/an/an/a0.10%12.37%n/a
Asset Quality
Delinquent Loans / Loans2.59%8.18%6.20%3.77%1.54%-105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.98%2.58%1.79%2.55%3.17%+119 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares92.66%93.79%91.63%73.40%62.10%-3,055 bps
Liquid Assets / Assets14.21%14.47%6.16%32.75%39.63%+2,542 bps