Omaha, NE · Charter 7576
NCUA · 5 branches
Q2 2024
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
0
Asset Quality
4
Profitability
0
Liquidity
54
Efficiency
0
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.
Omaha, NE · Charter 7576
NCUA · 5 branches
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.29% | 0.25% | 0.37% | 0.19% | 0.12% | -0.61% | -40.51% | -4,088 bps | |
| Return on Equity | 3.41% | 3.15% | 2.72% | 3.89% | 2.01% | 1.25% | -6.70% | n/a | n/a | |
| Net Interest Margin | 2.13% | 2.13% | 2.14% | 2.10% | 2.00% | 2.20% | 2.72% | 1.15% | -94 bps | |
| Efficiency Ratio | 89.57% | 89.75% | 93.87% | 86.74% | 90.11% | 91.01% | 110.28% | 1259% | +117,239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.23% | 3.00% | 0.39% | 1.14% | 0.42% | -2.57% | -0.58% | 0.66% | -48 bps | |
| Loan Growth (YoY) | -1.83% | 7.43% | 9.63% | 5.27% | 1.59% | -3.44% | -3.98% | -6.80% | -1,207 bps | |
| Share Growth (YoY) | 0.41% | 2.27% | -0.27% | 0.83% | -2.80% | -2.62% | -0.06% | 23.82% | +2,299 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.43% | 1.12% | 2.31% | 1.40% | 2.28% | 2.84% | 4.23% | +192 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.35% | 0.40% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.21% | 9.20% | 9.12% | 9.49% | 9.37% | 9.54% | 9.08% | -10.95% | -2,043 bps | |
| Net Worth / Assets | 9.21% | 9.20% | 9.12% | 9.49% | 9.37% | 9.54% | 9.08% | -10.95% | -2,043 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.82% | 76.70% | 75.34% | 77.47% | 77.15% | 76.05% | 72.39% | 58.31% | -1,916 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Omaha, NE · Charter 7576 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 5 branches
Q2 2024
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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -40.51% | 0.23% | 0.68% | 1.19% | Beats 0% | 1,752 / 1,753 | n/a | |
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | 1.15% | 2.98% | 3.54% | 4.20% | Beats 0% | 1,744 / 1,752 | n/a | |
| Efficiency Ratio | 1260% | 69.58% | 78.86% | 88.33% | Beats 0% | 1,747 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.23% | 0.22% | 0.59% | 1.20% | Beats 4% | 1,672 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | -10.95% | 9.91% | 12.21% | 15.57% | Beats 0% | 1,753 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | -10.95% | 9.91% | 12.21% | 15.57% | Beats 0% | 1,752 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.31% | 55.88% | 73.01% | 86.61% | 28th pctl | 1,266 / 1,750 | n/a | |
| Loans / Assets | 64.32% | 48.21% | 62.51% | 73.23% | 54th pctl | 809 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||