Omaha, NE · Charter 9194
NCUA · 4 branches
Q4 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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.33% | -1.24% | -0.89% | -1.14% | -1.05% | -1.67% | -1.28% | -2.28% | -114 bps | |
| Return on Equity | -5.69% | -5.24% | -4.59% | -5.75% | -5.39% | -8.43% | -6.55% | -12.31% | -656 bps | |
| Net Interest Margin | 2.58% | 2.66% | 2.68% | 2.81% | 2.90% | 2.97% | 2.95% | 3.13% | +31 bps | |
| Efficiency Ratio | 138.83% | 132.33% | 118.22% | 120.07% | 130.55% | 122.92% | 117.05% | 142.24% | +2,217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.36% | -8.55% | 37.39% | 35.22% | 37.55% | 33.72% | -7.57% | -4.90% | -4,011 bps | |
| Loan Growth (YoY) | -0.29% | -0.64% | 60.25% | 57.41% | 53.24% | 53.00% | -9.24% | -10.58% | -6,799 bps | |
| Share Growth (YoY) | -9.32% | -9.72% | 42.47% | 41.19% | 43.92% | 40.11% | -9.08% | -4.37% | -4,556 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.36% | 0.78% | 1.41% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.34% | 23.58% | 19.45% | 19.75% | 19.47% | 19.85% | 19.49% | 18.49% | -126 bps | |
| Net Worth / Assets | 23.34% | 23.58% | 19.45% | 19.75% | 19.47% | 19.85% | 19.49% | 18.49% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.35% | 46.50% | 50.18% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |