Indianapolis, IN · Charter 95014
Q4 2003
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 | Q3 2002 | Q4 2002 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.70% | -1.68% | 0.28% | -0.70% | -8.47% | -778 bps | |
| Return on Equity | -6.54% | -17.26% | 3.04% | -8.03% | -433% | -42,605 bps | |
| Net Interest Margin | 5.43% | 5.62% | 4.79% | 4.77% | 5.10% | -33 bps | |
| Efficiency Ratio | 89.54% | 98.06% | 95.96% | 110.38% | 116.44% | +2,690 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.12% | 0.23% | 7.74% | -0.45% | -7.91% | -1,304 bps | |
| Loan Growth (YoY) | 34.34% | 18.26% | 4.72% | -12.08% | -24.99% | -5,933 bps | |
| Share Growth (YoY) | 8.33% | 2.99% | 12.28% | 3.59% | 2.86% | -547 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.76% | 3.79% | 4.27% | 7.11% | 15.62% | +1,286 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 2.04% | 2.84% | 2.90% | 13.24% | +1,150 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.66% | 9.74% | 9.06% | 8.72% | 1.96% | -870 bps | |
| Net Worth / Assets | 10.66% | 9.74% | 9.06% | 8.72% | 1.96% | -870 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.00% | 85.25% | 69.42% | 65.31% | 62.71% | -2,329 bps | |
| Liquid Assets / Assets | 18.02% | 17.69% | 34.08% | 37.75% | 41.85% | +2,383 bps | |