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World-Herald

Omaha, NE · Charter 66108

Q2 2001

$1.8MAssets
$1.7MLoans
$1.4MShares
$295KNet 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 0.11%, down 365 bps year over year; NIM at 5.33%.
  • Asset quality: problem loans at 0.44% of loans (-30 bps YoY).
  • Capital: net worth / assets of 16.80%.
  • Funding: loans stand at 121.13% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.11%-365 bps YoY

Net Interest Margin (YTD, annualized)

5.33%

Efficiency Ratio (YTD, annualized)

98.35%

Net Worth / Assets

16.80%

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001YoY ΔTrend
Earnings
Return on Assets3.76%1.59%-1.48%-0.32%0.11%-365 bps
Return on Equityn/an/an/a-2.14%0.64%n/a
Net Interest Marginn/a6.60%4.14%5.30%5.33%n/a
Efficiency Ration/a78.86%119.43%100.57%98.35%n/a
Growth
Asset Growth (YoY)15.60%12.95%23.20%7.97%-5.51%-2,111 bps
Loan Growth (YoY)9.90%23.00%25.51%6.61%-0.30%-1,020 bps
Share Growth (YoY)16.49%9.32%18.97%-10.51%-8.22%-2,471 bps
Asset Quality
Delinquent Loans / Loans0.74%2.18%1.23%0.62%0.44%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.61%0.54%0.54%0.50%0 bps
Capital
Risk-Based Capitaln/an/an/a14.90%16.80%n/a
Net Worth / Assetsn/an/an/a14.90%16.80%n/a
Liquidity & Funding
Loans / Shares111.51%118.98%119.24%131.52%121.13%+962 bps
Liquid Assets / Assets1.89%0.93%1.59%2.68%-3.20%-509 bps