Lincoln, NE · Charter 24882
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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.
Lincoln, NE · Charter 24882
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -33.30% | -66.34% | -66.90% | -65.76% | -56.82% | -51.59% | -61.30% | -77.37% | -1,161 bps | |
| Return on Equity | -38.31% | -88.82% | -111.43% | -132.78% | -185.71% | -196.49% | -357% | n/a | n/a | |
| Net Interest Margin | 0.11% | 1.24% | 1.55% | 1.98% | 2.44% | 5.03% | 5.95% | 5.88% | +390 bps | |
| Efficiency Ratio | 24004% | 3666% | 3041% | 2280% | 1708% | 846% | 900% | 1153% | -112,698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -22.26% | -8.11% | 2.70% | 6.17% | -11.01% | -13.53% | -542 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1991% | 527% | 217% | 85.56% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | 218% | 443% | 207% | 84.55% | 86.77% | -13,150 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 3.30% | 6.38% | 3.66% | 1.95% | 9.80% | +650 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 10.80% | 5.11% | 5.83% | 5.68% | 5.16% | 3.72% | 1.58% | -425 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 86.92% | 74.68% | 60.04% | 49.52% | 30.60% | 26.25% | 17.19% | -11.09% | -6,061 bps | |
| Net Worth / Assets | 86.92% | 74.68% | 60.04% | 49.52% | 30.60% | 26.25% | 17.19% | -11.09% | -6,061 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.04% | 33.39% | 45.53% | 69.99% | 65.62% | 68.28% | 78.13% | 69.53% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |