Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.8) profitability.
Other Rating Factors:
Weak liquidity 1.5, driven by a liquidity ratio of 4.9 percent and a “hot money” ratio of 4.7 percent. A current level of 8.6 percent of nonperforming loans to core capital combined with 8.6 percent from a year earlier contributes to the Fair asset quality (4.0).
Asset Mix:
Consumer loans (75%), other (25%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1409 Old Farm Road
Lincoln, NE 68512
Lincoln, NE 68512
Phone Number
(402) 423-4494
NCUA Charter Number
Website
Largest Competitors
Lincoln, NE
Lincoln, NE
Lincoln, NE
Lincoln, NE
Lincoln, NE