PackageTrendsPeer
Letter portraitLegal landscape

Labor Department

Lincoln, NE · Charter 65325

Q3 2014

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: Q3 2014, the quarter ended September 30, 2014, 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

Labor Department

Lincoln, NE · Charter 65325

Q3 2014

$3.4MAssets
$1.6MLoans
$2.9MShares
$475KNet 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 0.34%, up 67 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 13.92%, up 154 bps from a year ago.
  • Funding: loans stand at 54.17% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.34%+67 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-9 bps YoY

Efficiency Ratio (YTD, annualized)

91.42%-1,828 bps YoY

Net Worth / Assets

13.92%+154 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.33%-0.32%-0.52%-0.51%0.34%+67 bps
Return on Equity-2.65%-2.53%-4.24%-3.98%2.43%+508 bps
Net Interest Margin2.88%2.86%2.55%2.69%2.79%-9 bps
Efficiency Ratio109.71%109.42%118.24%117.10%91.42%-1,828 bps
Growth
Asset Growth (YoY)-6.05%-6.70%1.55%-3.33%-9.94%-390 bps
Loan Growth (YoY)-8.61%-11.79%-4.77%-2.62%-6.37%+224 bps
Share Growth (YoY)-6.64%-7.21%2.35%-3.27%-11.42%-478 bps
Asset Quality
Delinquent Loans / Loans0.00%0.82%0.00%0.32%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.72%0.74%0.76%0.75%0.77%+5 bps
Capital
Risk-Based Capital12.38%12.48%12.29%12.87%13.92%+154 bps
Net Worth / Assets12.38%12.48%12.29%12.87%13.92%+154 bps
Liquidity & Funding
Loans / Shares51.25%50.58%48.71%52.75%54.17%+292 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps