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Boys Town

Boys Town, NE · Charter 11617

NCUA · 1 branch

Q4 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Boys Town

Boys Town, NE · Charter 11617

NCUA · 1 branch

Q4 2021

$2.4MAssets
$497KLoans
$2.2MShares
$209KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.22%, down 192 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 3.66% of loans (+210 bps YoY).
  • Capital: net worth / assets of 8.64%, up 20 bps from a year ago.
  • Funding: loans stand at 22.60% of shares as of Q4 2021.

Financial Results

Return on Assets (YTD, annualized)

-2.22%-192 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-80 bps YoY

Efficiency Ratio (YTD, annualized)

159.64%+5,337 bps YoY

Net Worth / Assets

8.64%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021YoY ΔTrend
Earnings
Return on Assets-0.30%-1.19%-1.39%-1.59%-2.22%-192 bps
Return on Equity-3.53%-16.18%-20.04%-20.85%-25.70%-2,217 bps
Net Interest Margin3.66%2.52%2.25%2.54%2.86%-80 bps
Efficiency Ratio106.27%139.81%150.01%149.04%159.64%+5,337 bps
Growth
Asset Growth (YoY)6.85%15.94%7.61%-6.85%-22.28%-2,913 bps
Loan Growth (YoY)-22.28%-32.53%-30.01%-41.40%-47.95%-2,567 bps
Share Growth (YoY)7.87%18.52%9.98%-6.01%-22.31%-3,017 bps
Asset Quality
Delinquent Loans / Loans1.56%1.84%1.81%2.21%3.66%+210 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.45%2.52%2.72%3.43%3.95%+150 bps
Capital
Risk-Based Capital8.44%7.38%6.92%7.63%8.64%+20 bps
Net Worth / Assets8.44%7.38%6.92%7.63%8.64%+20 bps
Liquidity & Funding
Loans / Shares33.74%25.97%23.72%21.96%22.60%-1,113 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps