Omaha, NE · Charter 9194
NCUA · 4 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 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=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
23
Profitability
11
Liquidity
20
Efficiency
1
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 9194
NCUA · 4 branches
Q4 2024
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.14% | -1.05% | -1.67% | -1.28% | -2.28% | -114 bps | |
| Return on Equity | -5.75% | -5.39% | -8.43% | -6.55% | -12.31% | -656 bps | |
| Net Interest Margin | 2.81% | 2.90% | 2.97% | 2.95% | 3.13% | +31 bps | |
| Efficiency Ratio | 120.07% | 130.55% | 122.92% | 117.05% | 142.24% | +2,217 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 35.22% | 37.55% | 33.72% | -7.57% | -4.90% | -4,011 bps | |
| Loan Growth (YoY) | 57.41% | 53.24% | 53.00% | -9.24% | -10.58% | -6,799 bps | |
| Share Growth (YoY) | 41.19% | 43.92% | 40.11% | -9.08% | -4.37% | -4,556 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.78% | 1.83% | 0.88% | 1.66% | 1.47% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.75% | 19.47% | 19.85% | 19.49% | 18.49% | -126 bps | |
| Net Worth / Assets | 19.75% | 19.47% | 19.85% | 19.49% | 18.49% | -126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.84% | 49.35% | 50.78% | 50.09% | 47.53% | -330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Omaha, NE · Charter 9194 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 4 branches
Q4 2024
Return on Assets
-2.28%
Rank 1,694 of 1,724
Net Interest Margin
3.13%
Rank 1,233 of 1,723
Efficiency Ratio
142.25%
Rank 1,698 of 1,721
Equity / Assets
18.50%
Rank 285 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.28% | 0.25% | 0.67% | 1.13% | Beats 2% | 1,694 / 1,724 | |
| Return on Equity | -12.31% | 1.95% | 5.34% | 8.54% | Beats 3% | 1,668 / 1,723 | |
| Net Interest Margin | 3.13% | 3.03% | 3.61% | 4.27% | Beats 28% | 1,233 / 1,723 | |
| Efficiency Ratio | 142.25% | 69.84% | 78.36% | 87.50% | Beats 1% | 1,698 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.47% | 0.28% | 0.70% | 1.38% | Beats 23% | 1,323 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.49% | 10.16% | 12.41% | 16.03% | Beats 83% | 285 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.50% | 10.15% | 12.41% | 16.03% | Beats 83% | 285 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 47.53% | 55.95% | 72.66% | 85.34% | 16th pctl | 1,448 / 1,722 | |
| Loans / Assets | 38.12% | 47.91% | 62.00% | 72.82% | 13th pctl | 1,497 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||