East Chicago, IN · Charter 65511
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
East Chicago, IN · Charter 65511
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.96% | 2.17% | 2.71% | 3.28% | 3.04% | +8 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 | -7.84% | -8.03% | -11.65% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 9.67% | -1.38% | -15.49% | n/a | |
| Share Growth (YoY) | n/a | n/a | -8.26% | -8.75% | -12.08% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.89% | 4.53% | 3.30% | 4.44% | 5.01% | +112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.88% | 2.57% | 2.58% | 2.64% | 2.71% | +83 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 | 65.15% | 70.60% | 63.14% | 65.58% | 62.62% | -253 bps | |
| Liquid Assets / Assets | 19.56% | 21.35% | 33.55% | 30.96% | 35.65% | +1,609 bps | |