Omaha, NE · Charter 65420
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Omaha, NE · Charter 65420
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.59% | 0.29% | 0.25% | 0.27% | -35 bps | |
| Return on Equity | 6.07% | 5.89% | 2.83% | 2.43% | 2.60% | -347 bps | |
| Net Interest Margin | 2.23% | 2.12% | 1.91% | 1.93% | 1.90% | -32 bps | |
| Efficiency Ratio | 70.15% | 70.73% | 82.84% | 83.53% | 81.95% | +1,180 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.78% | 7.97% | 2.56% | 1.58% | 2.94% | -483 bps | |
| Loan Growth (YoY) | 2.92% | 6.18% | 10.28% | 15.68% | 17.37% | +1,445 bps | |
| Share Growth (YoY) | -1.54% | 0.72% | 5.23% | 6.04% | 7.47% | +900 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.29% | 0.26% | 1.05% | 0.66% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.31% | 0.34% | 0.37% | 0.39% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.17% | 9.98% | 10.10% | 10.22% | 10.22% | +5 bps | |
| Net Worth / Assets | 10.17% | 9.98% | 10.10% | 10.22% | 10.22% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.71% | 85.51% | 81.55% | 85.70% | 92.52% | +781 bps | |
| Liquid Assets / Assets | 27.55% | 23.35% | 21.11% | 23.24% | 21.01% | -653 bps | |