Lincoln, NE · Charter 66181
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, 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 66181
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.07% | 0.05% | -0.32% | -12.49% | -1,249 bps | |
| Return on Equity | 0.02% | 0.61% | 0.39% | -2.37% | -1401% | -140,102 bps | |
| Net Interest Margin | 1.60% | 2.02% | 1.74% | 1.86% | -9.21% | -1,081 bps | |
| Efficiency Ratio | 99.87% | 96.46% | 64.30% | 79.28% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 12.45% | -16.53% | -14.36% | -28.23% | -18.58% | -3,103 bps | |
| Loan Growth (YoY) | -26.71% | -30.59% | -29.04% | -34.49% | -100.00% | -7,329 bps | |
| Share Growth (YoY) | 14.14% | -18.29% | -15.86% | -30.97% | -8.74% | -2,288 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.74% | 18.01% | 18.28% | 17.78% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 2.52% | 3.90% | 5.13% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 11.25% | 11.68% | 11.81% | 13.55% | 0.89% | -1,036 bps | |
| Net Worth / Assets | 11.25% | 11.68% | 11.81% | 13.55% | 0.89% | -1,036 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.87% | 30.09% | 28.10% | 29.87% | 0.00% | -3,387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |