Evansville, IN · Charter 7726
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 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.
Evansville, IN · Charter 7726
Q2 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | -0.25% | -0.54% | 0.77% | 0.57% | +122 bps | |
| Return on Equity | -7.77% | -2.89% | -6.34% | 9.24% | 6.71% | +1,447 bps | |
| Net Interest Margin | 3.26% | 3.33% | 3.40% | 3.07% | 3.14% | -12 bps | |
| Efficiency Ratio | 119.73% | 109.96% | 110.83% | 85.96% | 87.24% | -3,248 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.41% | -4.75% | -3.37% | -0.39% | 0.09% | +150 bps | |
| Loan Growth (YoY) | -7.26% | -3.31% | -1.05% | -0.93% | -0.24% | +702 bps | |
| Share Growth (YoY) | -0.66% | -4.60% | -3.11% | -0.29% | 0.10% | +76 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.45% | 2.27% | 1.54% | 2.09% | 1.72% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.81% | 0.82% | 0.83% | 0.84% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 8.73% | 8.52% | 8.29% | 8.46% | +8 bps | |
| Net Worth / Assets | 8.38% | 8.73% | 8.52% | 8.29% | 8.46% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.55% | 73.42% | 74.27% | 68.68% | 70.31% | -24 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |