Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 9.0. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Fair (4.1) profitability.
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (9.2). Good liquidity 5.3, driven by a liquidity ratio of 19.4 percent and a “hot money” ratio of 1.1 percent.
Asset Mix:
Consumer loans (25%), home mtgs (14%), other (60%)
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
1720 P Street
Lincoln, NE 68508
Lincoln, NE 68508
Phone Number
(402) 472-2087
NCUA Charter Number
Website
Largest Competitors
Lincoln, NE
Lincoln, NE
Lincoln, NE
Lincoln, NE
Lincoln, NE