Louisville, KY · Charter 9966
Q2 1996
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.16% | 4.69% | 6.02% | 5.98% | 3.42% | -74 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) | n/a | n/a | n/a | n/a | -23.22% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -2.68% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -29.18% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 1.35% | 1.89% | 2.65% | 6.37% | +616 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 2.67% | 2.67% | 2.39% | 1.80% | -112 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 | 67.27% | 79.27% | 95.24% | 100.17% | 92.44% | +2,517 bps | |
| Liquid Assets / Assets | 42.40% | 36.24% | 3.78% | 13.46% | 25.87% | -1,652 bps | |