Bellevue, NE · Charter 9784
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bellevue, NE · Charter 9784
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.89% | 3.79% | 3.92% | 1.17% | 0.28% | -361 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 12.45% | 8.35% | 1.23% | 7.00% | -4.53% | -1,698 bps | |
| Loan Growth (YoY) | -9.69% | -10.72% | -12.01% | -14.42% | -21.03% | -1,134 bps | |
| Share Growth (YoY) | 12.65% | 6.67% | -0.52% | 7.09% | -6.46% | -1,912 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.20% | 8.17% | 11.23% | 2.81% | 7.62% | -58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.45% | 1.79% | 2.44% | 2.83% | 5.80% | +335 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.64% | 66.70% | 62.77% | 53.31% | 52.04% | -960 bps | |
| Liquid Assets / Assets | 32.17% | 35.31% | 23.34% | 46.41% | 51.72% | +1,955 bps | |