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 | |