Richmond, IN · Charter 64742
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Richmond, IN · Charter 64742
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -1.82% | -2.22% | -3.05% | -3.89% | -229 bps | |
| Return on Equity | -8.03% | -8.75% | -11.57% | -16.67% | -20.88% | -1,285 bps | |
| Net Interest Margin | 2.85% | 3.10% | 2.78% | 2.71% | 2.91% | +6 bps | |
| Efficiency Ratio | 145.99% | 147.85% | 166.53% | 193.45% | 210% | +6,407 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.22% | -8.48% | -11.31% | -10.15% | -9.99% | -378 bps | |
| Loan Growth (YoY) | 0.32% | 13.52% | -7.66% | -17.91% | -13.80% | -1,412 bps | |
| Share Growth (YoY) | -5.80% | -8.60% | -11.78% | -9.67% | -8.31% | -251 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.54% | 4.44% | 3.35% | 3.33% | 0.00% | -454 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.05% | 3.94% | 3.23% | 3.40% | 1.92% | -113 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.88% | 20.81% | 19.20% | 18.27% | 18.61% | -126 bps | |
| Net Worth / Assets | 19.88% | 20.81% | 19.20% | 18.27% | 18.61% | -126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.07% | 35.83% | 30.28% | 28.53% | 29.21% | -186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |