Lincoln, NE · Charter 61715
NCUA · 1 branch
Q2 2023
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.18% | 0.17% | -0.01% | -0.09% | 0.15% | 3.34% | 0.22% | +24 bps | |
| Return on Equity | 0.96% | 1.36% | 1.32% | -0.11% | -0.63% | 1.02% | 21.19% | 1.15% | +126 bps | |
| Net Interest Margin | 1.92% | 1.95% | 1.72% | 1.78% | 1.98% | 1.89% | 4.07% | 4.11% | +233 bps | |
| Efficiency Ratio | 91.35% | 88.58% | 86.00% | 96.53% | 100.29% | 88.64% | 17.67% | 91.31% | -522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.41% | -0.28% | 2.18% | -0.71% | -7.37% | -9.32% | -15.23% | -30.01% | -2,930 bps | |
| Loan Growth (YoY) | -8.13% | -6.07% | -12.81% | -8.75% | -2.40% | -1.23% | 8.49% | 6.20% | +1,495 bps | |
| Share Growth (YoY) | 1.30% | -0.64% | 2.22% | -0.90% | -8.43% | -10.74% | -17.88% | -34.85% | -3,395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.33% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.23% | 0.31% | 0.41% | 0.47% | 0.48% | 0.54% | 0.72% | 0.79% | +32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.89% | 13.16% | 13.03% | 13.31% | 14.00% | 14.60% | 15.76% | 19.25% | +594 bps | |
| Net Worth / Assets | 12.89% | 13.16% | 13.03% | 13.31% | 14.00% | 14.60% | 15.76% | 19.25% | +594 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.55% | 54.25% | 51.82% | 52.42% | 59.20% | 60.03% | 68.46% | 85.45% | +3,303 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |