Omaha, NE · Charter 66033
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 66033
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.62% | 3.30% | 3.48% | 2.20% | 0.46% | -315 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -3.68% | -6.91% | -7.93% | -7.21% | -10.94% | -725 bps | |
| Loan Growth (YoY) | 8.78% | 3.32% | -6.24% | -14.63% | -22.77% | -3,155 bps | |
| Share Growth (YoY) | -4.85% | -4.65% | -7.78% | -7.57% | -8.91% | -407 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.41% | 2.65% | 5.43% | 5.16% | 2.05% | +64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.67% | 0.46% | 0.31% | 0.57% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.07% | 70.85% | 68.73% | 61.56% | 58.56% | -1,051 bps | |
| Liquid Assets / Assets | 10.79% | 14.55% | 21.53% | 26.65% | 31.69% | +2,090 bps | |