PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Omaha Burlington Employees

Omaha, NE · Charter 66151

Q3 2014

$2.5MAssets
$1.7MLoans
$2.0MShares
$492KNet 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 1.17%, 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.

Financial Results

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.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.72%-0.06%1.38%1.61%1.17%+189 bps
Return on Equity-3.89%-0.34%7.44%8.48%5.90%+979 bps
Net Interest Margin4.08%4.05%3.92%3.87%4.05%-3 bps
Efficiency Ratio117.51%101.57%64.73%58.49%71.10%-4,641 bps
Growth
Asset Growth (YoY)-1.34%1.55%4.87%3.22%-0.97%+37 bps
Loan Growth (YoY)5.73%8.36%8.20%6.88%-0.58%-632 bps
Share Growth (YoY)0.88%2.24%6.03%3.57%-2.66%-353 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.89%1.00%1.03%0.99%1.03%+14 bps
Capital
Risk-Based Capital18.39%18.46%18.61%18.94%19.84%+145 bps
Net Worth / Assets18.39%18.46%18.61%18.94%19.84%+145 bps
Liquidity & Funding
Loans / Shares84.19%83.86%81.10%83.79%85.98%+179 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps