Decatur, IL · Charter 63070
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.50% | 4.40% | 4.34% | 4.09% | 0.69% | -380 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 | 3.60% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.35% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.64% | 9.95% | 8.73% | 8.09% | 13.12% | +348 bps | |
| Loan Growth (YoY) | 54.98% | 43.37% | 8.54% | -2.05% | -0.81% | -5,579 bps | |
| Share Growth (YoY) | 8.54% | 8.26% | 7.28% | 6.58% | 12.65% | +411 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 1.03% | 2.06% | 0.88% | 1.23% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.47% | 0.51% | 1.07% | 0.88% | +34 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 | 77.72% | 73.74% | 72.79% | 68.33% | 68.43% | -929 bps | |
| Liquid Assets / Assets | 16.96% | 21.97% | 22.50% | 18.85% | 13.98% | -298 bps | |