Lincoln, NE · Charter 60854
NCUA · 1 branch
Q1 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.13% | 0.12% | -0.30% | -0.28% | -0.37% | -0.30% | -0.51% | -20 bps | |
| Return on Equity | 1.70% | 1.02% | 0.92% | -2.36% | -2.36% | -3.24% | -2.72% | -4.70% | -234 bps | |
| Net Interest Margin | 3.23% | 3.11% | 3.17% | 3.08% | 2.77% | 2.69% | 2.48% | 2.07% | -101 bps | |
| Efficiency Ratio | 92.83% | 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 / Loans | 0.80% | 0.94% | 0.46% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.35% | 0.44% | 0.48% | 0.39% | 0.40% | 0.44% | 0.44% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.99% | 12.51% | 12.76% | 12.84% | 11.70% | 11.49% | 10.97% | 10.79% | -204 bps | |
| Net Worth / Assets | 12.99% | 12.51% | 12.76% | 12.84% | 11.70% | 11.49% | 10.97% | 10.79% | -204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.56% | 68.21% | 70.08% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |