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Greater Omaha

Omaha, NE · Charter 24222

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Greater Omaha

Omaha, NE · Charter 24222

Q2 2015

$9.5MAssets
$3.1MLoans
$7.6MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.33%, down 24 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 20.36%, down 79 bps from a year ago.
  • Funding: loans stand at 40.47% of shares as of Q2 2015.

Return on Assets (YTD, annualized)

-0.33%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.31%-25 bps YoY

Efficiency Ratio (YTD, annualized)

109.64%+562 bps YoY

Net Worth / Assets

20.36%-79 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.08%0.36%-0.17%-0.09%-0.05%-0.06%-0.20%-0.33%-24 bps
Return on Equity-0.39%1.69%-0.81%-0.44%-0.21%-0.28%-0.96%-1.62%-118 bps
Net Interest Margin2.84%2.76%2.52%2.56%2.60%2.51%2.42%2.31%-25 bps
Efficiency Ratio102.28%91.00%104.76%104.02%102.91%102.75%104.99%109.64%+562 bps
Growth
Asset Growth (YoY)1.37%1.94%0.36%2.90%1.13%1.85%-3.75%3.01%+11 bps
Loan Growth (YoY)-8.47%-1.94%-1.71%-3.82%-6.13%-9.91%-11.41%-12.21%-839 bps
Share Growth (YoY)16.20%2.89%0.36%3.89%-10.88%2.49%-4.22%4.37%+49 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.73%0.76%0.73%0.67%0.40%0.25%0.26%-47 bps
Capital
Risk-Based Capital21.81%21.48%20.54%21.15%21.54%21.03%21.28%20.36%-79 bps
Net Worth / Assets21.81%21.48%20.54%21.15%21.54%21.03%21.28%20.36%-79 bps
Liquidity & Funding
Loans / Shares46.90%52.68%47.83%48.12%49.40%46.31%44.24%40.47%-765 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps