Kearney, NE · Charter 22113
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Kearney, NE · Charter 22113
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 1.15% | 1.45% | 1.45% | 1.04% | -14 bps | |
| Return on Equity | 9.35% | 9.58% | 11.23% | 11.42% | 8.41% | -94 bps | |
| Net Interest Margin | 4.39% | 4.23% | 4.48% | 4.38% | 4.31% | -8 bps | |
| Efficiency Ratio | 81.98% | 81.52% | 78.13% | 77.42% | 81.95% | -4 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.27% | 5.58% | 0.23% | 9.88% | 11.87% | +659 bps | |
| Loan Growth (YoY) | 17.95% | 23.12% | 21.41% | 18.95% | 17.31% | -64 bps | |
| Share Growth (YoY) | 4.85% | 5.21% | -1.88% | 8.86% | 13.77% | +891 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.91% | 0.95% | 1.24% | 1.44% | 1.37% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 0.87% | 0.98% | 0.91% | 0.83% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.65% | 12.00% | 12.87% | 12.74% | 12.35% | -30 bps | |
| Net Worth / Assets | 12.65% | 12.00% | 12.87% | 12.74% | 12.35% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.61% | 76.46% | 84.38% | 83.69% | 83.12% | +251 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |