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Nebraska Teachers

Lincoln, NE · Charter 66135

Q2 1999

$858KAssets
$587KLoans
$789KShares
n/aNet 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 1.94%, down 204 bps year over year.
  • Asset quality: problem loans at 11.73% of loans (+524 bps YoY).
  • Funding: loans stand at 74.43% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

1.94%-204 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.98%3.90%3.25%3.85%1.94%-204 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans6.49%3.70%10.63%2.18%11.73%+524 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.61%0.89%1.17%1.05%1.54%+93 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares98.37%100.67%91.00%87.50%74.43%-2,395 bps
Liquid Assets / Assets8.72%12.43%2.23%18.47%9.36%+65 bps