Lawrenceburg, IN · Charter 8815
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 | -0.68% | -0.63% | -0.75% | -0.21% | -1.05% | -37 bps | |
| Return on Equity | -5.73% | -5.03% | -6.00% | -1.67% | -7.67% | -193 bps | |
| Net Interest Margin | 1.63% | 1.65% | 1.62% | 1.20% | 1.29% | -34 bps | |
| Efficiency Ratio | 140.33% | 136.89% | 145.35% | 117.47% | 181.59% | +4,126 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.25% | -13.77% | -8.94% | -13.68% | -19.59% | -1,134 bps | |
| Loan Growth (YoY) | -11.54% | -14.11% | -21.00% | -22.72% | -29.92% | -1,838 bps | |
| Share Growth (YoY) | -8.30% | -15.00% | -9.29% | -14.68% | -21.21% | -1,291 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.82% | 2.78% | 2.96% | 2.95% | 2.72% | -210 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.18% | 0.19% | 0.18% | 0.44% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.80% | 12.48% | 12.43% | 12.62% | 13.71% | +192 bps | |
| Net Worth / Assets | 11.80% | 12.48% | 12.43% | 12.62% | 13.71% | +192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.25% | 29.36% | 27.32% | 25.10% | 26.01% | -323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |