PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lincone

Lincoln, NE · Charter 10585

NCUA · 3 branches

Q2 2026

$183.6MAssets
$87.5MLoans
$157.7MShares
$23.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.05%, down 53 bps year over year; NIM at 4.49%.
  • Asset quality: problem loans at 0.58% of loans (-76 bps YoY).
  • Capital: net worth / assets of 12.67%, up 41 bps from a year ago.
  • Funding: loans stand at 55.47% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.05%-53 bps YoY

Net Interest Margin (YTD, annualized)

4.49%-40 bps YoY

Efficiency Ratio (YTD, annualized)

75.32%+401 bps YoY

Net Worth / Assets

12.67%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.52%1.69%0.99%1.05%-53 bps
Return on Equity12.82%12.06%13.13%7.97%8.25%-457 bps
Net Interest Margin4.90%4.91%5.06%4.37%4.49%-40 bps
Efficiency Ratio71.31%71.22%68.83%73.57%75.32%+401 bps
Growth
Asset Growth (YoY)-0.14%2.63%3.50%4.38%6.68%+682 bps
Loan Growth (YoY)-4.34%-5.12%-2.91%-2.96%7.96%+1,231 bps
Share Growth (YoY)-1.85%0.67%1.59%3.33%5.74%+759 bps
Asset Quality
Delinquent Loans / Loans1.34%1.14%1.23%0.91%0.58%-76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.26%12.63%12.87%12.38%12.67%+41 bps
Net Worth / Assets12.26%12.63%12.87%12.38%12.67%+41 bps
Liquidity & Funding
Loans / Shares54.33%54.66%53.06%50.19%55.47%+114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps