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 | |