Indianapolis, IN · Charter 7179
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Indianapolis, IN · Charter 7179
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.91% | 3.30% | 3.66% | 3.25% | 2.98% | -93 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) | 21.28% | 27.03% | 30.71% | 0.73% | 2.90% | -1,838 bps | |
| Loan Growth (YoY) | 38.44% | 18.60% | 10.45% | -5.59% | -23.50% | -6,194 bps | |
| Share Growth (YoY) | 21.06% | 28.85% | 33.17% | -0.62% | 1.81% | -1,926 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.45% | 1.19% | 1.14% | 0.69% | 0.85% | -60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 1.17% | 1.10% | 1.01% | 1.37% | +63 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 | 85.02% | 72.36% | 61.67% | 68.17% | 63.89% | -2,114 bps | |
| Liquid Assets / Assets | 14.24% | 27.94% | 36.81% | 33.49% | 31.94% | +1,770 bps | |