Kokomo, IN · Charter 66816
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | 0.04% | 0.05% | 1.16% | -7.04% | -663 bps | |
| Return on Equity | -4.01% | 0.31% | 0.39% | 9.41% | -65.10% | -6,109 bps | |
| Net Interest Margin | 3.56% | 4.24% | 4.19% | 3.31% | 3.48% | -8 bps | |
| Efficiency Ratio | 87.24% | 87.56% | 84.76% | 63.57% | 74.28% | -1,296 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.81% | -16.80% | -18.38% | -18.41% | -28.15% | -2,534 bps | |
| Loan Growth (YoY) | -5.30% | -7.37% | -10.49% | -15.68% | -22.59% | -1,729 bps | |
| Share Growth (YoY) | -3.17% | -18.73% | -20.43% | -20.77% | -27.67% | -2,450 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.13% | 5.65% | 6.84% | 5.63% | 2.74% | -239 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.45% | 3.47% | 4.16% | 4.69% | 9.03% | +558 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.05% | 12.02% | 12.25% | 12.31% | 10.81% | +76 bps | |
| Net Worth / Assets | 10.05% | 12.02% | 12.25% | 12.31% | 10.81% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.39% | 64.45% | 62.52% | 56.20% | 59.27% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |