Sellersburg, IN · Charter 63947
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.56% | 4.15% | 4.19% | -0.12% | -0.94% | -450 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 | 3.66% | 4.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 100.37% | 122.46% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.91% | 23.08% | 38.90% | 12.66% | -21.54% | -2,645 bps | |
| Loan Growth (YoY) | 25.84% | 5.65% | -25.32% | -16.91% | -29.74% | -5,558 bps | |
| Share Growth (YoY) | 5.37% | 28.05% | 47.75% | 15.01% | -25.91% | -3,128 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.32% | 6.71% | 5.31% | 7.12% | 2.16% | -616 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.17% | 2.27% | 1.55% | 1.73% | 1.89% | -128 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 | 82.42% | 76.74% | 60.64% | 67.45% | 78.16% | -426 bps | |
| Liquid Assets / Assets | 24.77% | 29.83% | 41.91% | 35.65% | 31.61% | +684 bps | |