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South Omaha

Omaha, NE · Charter 24727

Q3 2006

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: Q3 2006, the quarter ended September 30, 2006, 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

South Omaha

Omaha, NE · Charter 24727

Q3 2006

$3.7MAssets
$885KLoans
$3.1MShares
$723KNet 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 -2.54%, down 199 bps year over year; NIM at 4.55%.
  • Asset quality: problem loans at 10.35% of loans (+862 bps YoY).
  • Capital: net worth / assets of 19.33%, up 222 bps from a year ago.
  • Funding: loans stand at 29.00% of shares as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

-2.54%-199 bps YoY

Net Interest Margin (YTD, annualized)

4.55%+50 bps YoY

Efficiency Ratio (YTD, annualized)

138.78%+3,989 bps YoY

Net Worth / Assets

19.33%+222 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets-0.55%-0.05%0.61%0.48%-2.54%-199 bps
Return on Equity-3.23%-0.25%3.28%2.43%-13.16%-993 bps
Net Interest Margin4.05%4.30%4.07%4.24%4.55%+50 bps
Efficiency Ratio98.89%96.60%89.69%92.21%138.78%+3,989 bps
Growth
Asset Growth (YoY)-11.36%-16.24%-17.03%-13.95%-17.69%-633 bps
Loan Growth (YoY)-14.69%-22.37%-22.37%-22.32%-28.34%-1,366 bps
Share Growth (YoY)-10.65%-17.76%-18.87%-16.51%-19.60%-895 bps
Asset Quality
Delinquent Loans / Loans1.73%5.27%5.51%6.89%10.35%+862 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.56%5.08%5.60%5.27%5.89%+33 bps
Capital
Risk-Based Capital17.11%18.77%18.74%19.55%19.33%+222 bps
Net Worth / Assets17.11%18.77%18.74%19.55%19.33%+222 bps
Liquidity & Funding
Loans / Shares32.54%33.31%30.51%28.82%29.00%-354 bps
Liquid Assets / Assets21.91%25.58%32.94%0.00%0.00%-2,191 bps