Boys Town, NE · Charter 11617
NCUA · 1 branch
Q4 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Boys Town, NE · Charter 11617
NCUA · 1 branch
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -0.01% | -0.16% | -0.30% | -1.19% | -1.39% | -1.59% | -2.22% | -192 bps | |
| Return on Equity | 1.56% | -0.13% | -1.94% | -3.53% | -16.18% | -20.04% | -20.85% | -25.70% | -2,217 bps | |
| Net Interest Margin | 4.27% | 3.85% | 3.71% | 3.66% | 2.52% | 2.25% | 2.54% | 2.86% | -80 bps | |
| Efficiency Ratio | 95.49% | 99.35% | 103.06% | 106.27% | 139.81% | 150.01% | 149.04% | 159.64% | +5,337 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.62% | 1.81% | -1.76% | 6.85% | 15.94% | 7.61% | -6.85% | -22.28% | -2,913 bps | |
| Loan Growth (YoY) | -2.56% | -16.76% | -18.98% | -22.28% | -32.53% | -30.01% | -41.40% | -47.95% | -2,567 bps | |
| Share Growth (YoY) | -13.30% | 1.65% | -1.76% | 7.87% | 18.52% | 9.98% | -6.01% | -22.31% | -3,017 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.74% | 1.23% | 1.47% | 1.56% | 1.84% | 1.81% | 2.21% | 3.66% | +210 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.49% | 2.20% | 2.32% | 2.45% | 2.52% | 2.72% | 3.43% | 3.95% | +150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.26% | 8.48% | 8.39% | 8.44% | 7.38% | 6.92% | 7.63% | 8.64% | +20 bps | |
| Net Worth / Assets | 9.26% | 8.48% | 8.39% | 8.44% | 7.38% | 6.92% | 7.63% | 8.64% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.62% | 37.27% | 35.22% | 33.74% | 25.97% | 23.72% | 21.96% | 22.60% | -1,113 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |