PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ameritas Employees

Lincoln, NE · Charter 66099

Q3 2014

$15.1MAssets
$6.1MLoans
$13.2MShares
$1.8MNet 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 0.47%, up 56 bps year over year; NIM at 1.83%.
  • Asset quality: problem loans at 0.00% of loans (-58 bps YoY).
  • Capital: net worth / assets of 12.14%, up 42 bps from a year ago.
  • Funding: loans stand at 45.94% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.47%+56 bps YoY

Net Interest Margin (YTD, annualized)

1.83%-17 bps YoY

Efficiency Ratio (YTD, annualized)

83.89%-2,012 bps YoY

Net Worth / Assets

12.14%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.09%-0.07%-0.17%-0.29%0.47%+56 bps
Return on Equity-0.80%-0.59%-1.58%-2.52%3.85%+465 bps
Net Interest Margin1.99%2.04%1.73%1.80%1.83%-17 bps
Efficiency Ratio104.00%102.95%108.64%113.44%83.89%-2,012 bps
Growth
Asset Growth (YoY)1.84%-2.91%1.93%-2.82%-0.55%-239 bps
Loan Growth (YoY)-6.79%-9.35%-9.86%-8.95%-10.48%-369 bps
Share Growth (YoY)2.24%-3.24%2.36%-3.00%-0.97%-321 bps
Asset Quality
Delinquent Loans / Loans0.58%0.00%0.00%0.00%0.00%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.43%0.43%0.45%0.46%0.11%-32 bps
Capital
Risk-Based Capital11.72%12.04%11.03%11.48%12.14%+42 bps
Net Worth / Assets11.72%12.04%11.03%11.48%12.14%+42 bps
Liquidity & Funding
Loans / Shares50.82%50.25%43.83%44.96%45.94%-488 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps