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Creighton

Omaha, NE · Charter 7576

NCUA · 5 branches

Q2 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q2 2024Q2 2024peer median (50)

Asset Quality

4

Q2 2024Q2 2024peer median (50)

Profitability

0

Q2 2024Q2 2024peer median (50)

Liquidity

54

Q2 2024Q2 2024peer median

Efficiency

0

Q2 2024Q2 2024peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

Creighton

Omaha, NE · Charter 7576

NCUA · 5 branches

Q2 2024

$66.9MAssets
$43.1MLoans
$73.8MShares
$-7328KNet 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 -40.51%, down 4,088 bps year over year; NIM at 1.15%.
  • Asset quality: problem loans at 4.23% of loans (+192 bps YoY).
  • Capital: net worth / assets of -10.95%, down 2,043 bps from a year ago.
  • Funding: loans stand at 58.31% of shares as of Q2 2024.

Financial Results

Return on Assets (YTD, annualized)

-40.51%-4,088 bps YoY

Net Interest Margin (YTD, annualized)

1.15%-94 bps YoY

Efficiency Ratio (YTD, annualized)

1259%+117,239 bps YoY

Net Worth / Assets

-10.95%-2,043 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
Earnings
Return on Assets0.37%0.19%0.12%-0.61%-40.51%-4,088 bps
Return on Equity3.89%2.01%1.25%-6.70%n/an/a
Net Interest Margin2.10%2.00%2.20%2.72%1.15%-94 bps
Efficiency Ratio86.74%90.11%91.01%110.28%1259%+117,239 bps
Growth
Asset Growth (YoY)1.14%0.42%-2.57%-0.58%0.66%-48 bps
Loan Growth (YoY)5.27%1.59%-3.44%-3.98%-6.80%-1,207 bps
Share Growth (YoY)0.83%-2.80%-2.62%-0.06%23.82%+2,299 bps
Asset Quality
Delinquent Loans / Loans2.31%1.40%2.28%2.84%4.23%+192 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.49%9.37%9.54%9.08%-10.95%-2,043 bps
Net Worth / Assets9.49%9.37%9.54%9.08%-10.95%-2,043 bps
Liquidity & Funding
Loans / Shares77.47%77.15%76.05%72.39%58.31%-1,916 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Creighton

Omaha, NE · Charter 7576 · Peer group: credit unions under $1B in assets (n=1,748-1,753)

NCUA · 5 branches

Q2 2024

$66.9MAssets
$43.1MLoans
$73.8MShares
$-7328KNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 4% of credit unions under $1B in assets (rank 1672 of 1748).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets (rank 1752 of 1752).
  • Overall: at or above the peer median on 0 of 6 directional measures.

Return on Assets

-40.51%

Rank 1,752 of 1,753

Net Interest Margin

1.15%

Rank 1,744 of 1,752

Efficiency Ratio

1260%

Rank 1,747 of 1,748

Equity / Assets

-10.95%

Rank 1,752 of 1,752

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-40.51%0.23%0.68%1.19%Beats 0%1,752 / 1,753
Return on Equityn/aNot reported for this institution
Net Interest Margin1.15%2.98%3.54%4.20%Beats 0%1,744 / 1,752
Efficiency Ratio1260%69.58%78.86%88.33%Beats 0%1,747 / 1,748
Asset Quality
Nonperforming Loans / Loans4.23%0.22%0.59%1.20%Beats 4%1,672 / 1,748
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio-10.95%9.91%12.21%15.57%Beats 0%1,753 / 1,753
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets-10.95%9.91%12.21%15.57%Beats 0%1,752 / 1,752
Liquidity & Funding
Loans / Deposits58.31%55.88%73.01%86.61%28th pctl1,266 / 1,750
Loans / Assets64.32%48.21%62.51%73.23%54th pctl809 / 1,752
Brokered Deposits / Depositsn/aNot reported for this institution