Omaha, NE · Charter 10742
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.56% | 0.42% | 0.29% | -7.96% | -836 bps | |
| Return on Equity | 2.64% | 3.65% | 2.79% | 1.90% | -64.80% | -6,744 bps | |
| Net Interest Margin | 4.49% | 4.49% | 4.34% | 4.13% | 4.37% | -12 bps | |
| Efficiency Ratio | 90.42% | 87.28% | 87.92% | 94.75% | 226% | +13,551 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | 3.49% | -0.17% | -3.65% | -5.97% | -644 bps | |
| Loan Growth (YoY) | 4.52% | 5.31% | -1.51% | -1.89% | -3.83% | -835 bps | |
| Share Growth (YoY) | 9.10% | 3.44% | -1.13% | -4.44% | -5.35% | -1,445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.49% | 1.88% | 0.63% | 0.78% | 0.42% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.84% | 1.03% | 0.67% | 0.77% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.07% | 15.22% | 14.92% | 15.17% | 12.28% | -278 bps | |
| Net Worth / Assets | 15.07% | 15.22% | 14.92% | 15.17% | 12.28% | -278 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.83% | 97.80% | 94.47% | 97.04% | 98.38% | +156 bps | |
| Liquid Assets / Assets | 3.97% | 5.46% | 8.41% | 8.09% | 0.00% | -397 bps | |