PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

City-County Employees

Lincoln, NE · Charter 64101

Q3 2007

$60.2MAssets
$40.6MLoans
$52.1MShares
$7.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, up 27 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.60% of loans (+21 bps YoY).
  • Capital: net worth / assets of 11.97%, up 196 bps from a year ago.
  • Funding: loans stand at 77.94% of shares as of Q3 2007.

Financial Results

Return on Assets (YTD, annualized)

0.23%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+95 bps YoY

Efficiency Ratio (YTD, annualized)

92.28%-749 bps YoY

Net Worth / Assets

11.97%+196 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets-0.04%-0.07%0.01%0.30%0.23%+27 bps
Return on Equity-0.38%-0.60%0.11%2.58%1.96%+234 bps
Net Interest Margin2.54%2.85%3.10%3.35%3.50%+95 bps
Efficiency Ratio99.76%98.60%99.71%93.00%92.28%-749 bps
Growth
Asset Growth (YoY)9.81%-0.38%-3.11%-10.68%-15.38%-2,519 bps
Loan Growth (YoY)18.37%14.68%5.76%-1.79%1.98%-1,639 bps
Share Growth (YoY)-1.70%-1.45%-2.29%-4.68%-7.30%-559 bps
Asset Quality
Delinquent Loans / Loans0.40%0.45%0.42%0.48%0.60%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.37%0.38%0.38%0.33%0.41%+4 bps
Capital
Risk-Based Capital10.01%10.89%10.89%11.47%11.97%+196 bps
Net Worth / Assets10.01%10.89%10.89%11.47%11.97%+196 bps
Liquidity & Funding
Loans / Shares70.85%71.56%68.20%72.93%77.94%+709 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps