PackageTrendsPeer
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Construction Industries

Lincoln, NE · Charter 60854

NCUA · 1 branch

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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

Construction Industries

Lincoln, NE · Charter 60854

NCUA · 1 branch

Q1 2021

$2.4MAssets
$1.2MLoans
$2.1MShares
$259KNet Worth

Executive Summary

  • Earnings: ROA of -0.51%, down 20 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.11% of loans (-44 bps YoY).
  • Capital: net worth / assets of 10.79%, down 204 bps from a year ago.
  • Funding: loans stand at 54.82% of shares as of Q1 2021.

Return on Assets (YTD, annualized)

-0.51%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.07%-101 bps YoY

Efficiency Ratio (YTD, annualized)

123.23%+1,509 bps YoY

Net Worth / Assets

10.79%-204 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.22%0.13%0.12%-0.30%-0.28%-0.37%-0.30%-0.51%-20 bps
Return on Equity1.70%1.02%0.92%-2.36%-2.36%-3.24%-2.72%-4.70%-234 bps
Net Interest Margin3.23%3.11%3.17%3.08%2.77%2.69%2.48%2.07%-101 bps
Efficiency Ratio92.83%95.03%94.99%108.13%108.15%111.70%109.99%123.23%+1,509 bps
Growth
Asset Growth (YoY)0.97%1.54%-0.15%-1.60%9.88%6.47%13.30%15.12%+1,672 bps
Loan Growth (YoY)9.70%1.10%0.74%-6.74%-7.01%-4.19%-8.67%-6.01%+73 bps
Share Growth (YoY)0.85%1.60%-0.27%-1.91%11.31%7.46%15.57%17.97%+1,988 bps
Asset Quality
Delinquent Loans / Loans0.80%0.94%0.46%0.55%0.38%0.13%0.29%0.11%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.32%0.35%0.44%0.48%0.39%0.40%0.44%0.44%-4 bps
Capital
Risk-Based Capital12.99%12.51%12.76%12.84%11.70%11.49%10.97%10.79%-204 bps
Net Worth / Assets12.99%12.51%12.76%12.84%11.70%11.49%10.97%10.79%-204 bps
Liquidity & Funding
Loans / Shares72.56%68.21%70.08%68.81%60.61%60.82%55.38%54.82%-1,399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps