Lincoln, NE · Charter 66135
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Lincoln, NE · Charter 66135
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.98% | 3.90% | 3.25% | 3.85% | 1.94% | -204 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) | -0.67% | -11.69% | -15.39% | -4.64% | 0.76% | +143 bps | |
| Loan Growth (YoY) | -8.65% | 4.05% | 8.34% | -10.47% | -23.36% | -1,471 bps | |
| Share Growth (YoY) | -1.30% | -18.53% | -18.54% | -6.03% | 1.30% | +260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.49% | 3.70% | 10.63% | 2.18% | 11.73% | +524 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.89% | 1.17% | 1.05% | 1.54% | +93 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 | 98.37% | 100.67% | 91.00% | 87.50% | 74.43% | -2,395 bps | |
| Liquid Assets / Assets | 8.72% | 12.43% | 2.23% | 18.47% | 9.36% | +65 bps | |