Washington, IN · Charter 8622
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.09% | -1.71% | -1.67% | -0.60% | -0.53% | +256 bps | |
| Return on Equity | -27.63% | -14.80% | -14.84% | -5.44% | -4.92% | +2,270 bps | |
| Net Interest Margin | 7.58% | 7.63% | 5.80% | 6.37% | 6.24% | -134 bps | |
| Efficiency Ratio | 90.56% | 88.86% | 128.75% | 109.41% | 108.42% | +1,786 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.36% | -8.68% | -2.51% | -0.69% | 1.31% | +1,167 bps | |
| Loan Growth (YoY) | -19.87% | -20.66% | -14.71% | -12.85% | -23.69% | -382 bps | |
| Share Growth (YoY) | -9.15% | -7.10% | -1.01% | -0.53% | 1.89% | +1,104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.73% | 7.52% | 6.94% | 19.20% | 24.45% | +1,772 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.37% | 4.37% | 0.58% | 0.61% | 0.69% | -369 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.18% | 11.56% | 11.24% | 11.02% | 10.67% | -51 bps | |
| Net Worth / Assets | 11.18% | 11.56% | 11.24% | 11.02% | 10.67% | -51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.55% | 75.62% | 68.35% | 64.21% | 55.83% | -1,871 bps | |
| Liquid Assets / Assets | 34.16% | 33.69% | 37.66% | 41.53% | 48.86% | +1,470 bps | |