Omaha, NE · Charter 22969
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.50% | 0.55% | 0.62% | 0.66% | +8 bps | |
| Return on Equity | 4.45% | 4.31% | 4.91% | 5.64% | 5.79% | +133 bps | |
| Net Interest Margin | 5.65% | 4.69% | 4.23% | 4.32% | 4.36% | -129 bps | |
| Efficiency Ratio | 76.33% | 82.05% | 85.91% | 81.48% | 81.68% | +535 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.80% | 15.65% | 23.96% | 33.85% | 23.14% | +2,794 bps | |
| Loan Growth (YoY) | 26.11% | 23.97% | 35.06% | 32.52% | 3.80% | -2,232 bps | |
| Share Growth (YoY) | -6.43% | 16.96% | 26.87% | 38.33% | 26.21% | +3,264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.07% | 4.73% | 0.97% | 1.40% | 0.34% | -173 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.83% | 3.85% | 2.47% | 1.94% | 1.73% | -210 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.92% | 11.67% | 11.14% | 10.95% | 11.38% | -154 bps | |
| Net Worth / Assets | 12.92% | 11.67% | 11.14% | 10.95% | 11.38% | -154 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.60% | 75.48% | 78.34% | 79.48% | 74.51% | -1,609 bps | |
| Liquid Assets / Assets | 23.14% | 34.81% | 31.06% | 29.42% | 33.77% | +1,063 bps | |