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Omaha Burlington Employees

Omaha, NE · Charter 66151

Q3 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Omaha Burlington Employees

Omaha, NE · Charter 66151

Q3 2014

$2.5MAssets
$1.7MLoans
$2.0MShares
$492KNet Worth

Executive Summary

  • Earnings: ROA of 1.17%, up 189 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.84%, up 145 bps from a year ago.
  • Funding: loans stand at 85.98% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

1.17%+189 bps YoY

Net Interest Margin (YTD, annualized)

4.05%-3 bps YoY

Efficiency Ratio (YTD, annualized)

71.10%-4,641 bps YoY

Net Worth / Assets

19.84%+145 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.48%0.70%0.64%-0.72%-0.06%1.38%1.61%1.17%+189 bps
Return on Equity-2.56%3.57%3.32%-3.89%-0.34%7.44%8.48%5.90%+979 bps
Net Interest Margin4.17%4.11%4.00%4.08%4.05%3.92%3.87%4.05%-3 bps
Efficiency Ratio111.58%83.07%84.08%117.51%101.57%64.73%58.49%71.10%-4,641 bps
Growth
Asset Growth (YoY)-4.57%-5.70%-1.86%-1.34%1.55%4.87%3.22%-0.97%+37 bps
Loan Growth (YoY)-6.09%-7.13%-2.68%5.73%8.36%8.20%6.88%-0.58%-632 bps
Share Growth (YoY)-4.65%-6.02%-1.18%0.88%2.24%6.03%3.57%-2.66%-353 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.03%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.00%0.97%0.93%0.89%1.00%1.03%0.99%1.03%+14 bps
Capital
Risk-Based Capital18.90%19.49%19.19%18.39%18.46%18.61%18.94%19.84%+145 bps
Net Worth / Assets18.90%19.49%19.19%18.39%18.46%18.61%18.94%19.84%+145 bps
Liquidity & Funding
Loans / Shares79.12%79.48%81.19%84.19%83.86%81.10%83.79%85.98%+179 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps