PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Omaha

Omaha, NE · Charter 24222

Q2 2015

$9.5MAssets
$3.1MLoans
$7.6MShares
$1.9MNet 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 -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.

Financial Results

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.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.09%-0.05%-0.06%-0.20%-0.33%-24 bps
Return on Equity-0.44%-0.21%-0.28%-0.96%-1.62%-118 bps
Net Interest Margin2.56%2.60%2.51%2.42%2.31%-25 bps
Efficiency Ratio104.02%102.91%102.75%104.99%109.64%+562 bps
Growth
Asset Growth (YoY)2.90%1.13%1.85%-3.75%3.01%+11 bps
Loan Growth (YoY)-3.82%-6.13%-9.91%-11.41%-12.21%-839 bps
Share Growth (YoY)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 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.67%0.40%0.25%0.26%-47 bps
Capital
Risk-Based Capital21.15%21.54%21.03%21.28%20.36%-79 bps
Net Worth / Assets21.15%21.54%21.03%21.28%20.36%-79 bps
Liquidity & Funding
Loans / Shares48.12%49.40%46.31%44.24%40.47%-765 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps