Lincoln, NE · Charter 60854
NCUA · 1 branch
Q1 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -0.28% | -0.37% | -0.30% | -0.51% | -20 bps | |
| Return on Equity | -2.36% | -2.36% | -3.24% | -2.72% | -4.70% | -234 bps | |
| Net Interest Margin | 3.08% | 2.77% | 2.69% | 2.48% | 2.07% | -101 bps | |
| Efficiency Ratio | 108.13% | 108.15% | 111.70% | 109.99% | 123.23% | +1,509 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.60% | 9.88% | 6.47% | 13.30% | 15.12% | +1,672 bps | |
| Loan Growth (YoY) | -6.74% | -7.01% | -4.19% | -8.67% | -6.01% | +73 bps | |
| Share Growth (YoY) | -1.91% | 11.31% | 7.46% | 15.57% | 17.97% | +1,988 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.38% | 0.13% | 0.29% | 0.11% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.39% | 0.40% | 0.44% | 0.44% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.84% | 11.70% | 11.49% | 10.97% | 10.79% | -204 bps | |
| Net Worth / Assets | 12.84% | 11.70% | 11.49% | 10.97% | 10.79% | -204 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.81% | 60.61% | 60.82% | 55.38% | 54.82% | -1,399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |