Vickers
Omaha, NE · Charter 9194 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 4 branches
Q4 2024
$27.3MAssets
$10.4MLoans
$21.9MShares
$5.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 83% of credit unions under $1B in assets (rank 285 of 1724).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1698 of 1721).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |