Lincoln, NE · Charter 10756
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
18
Asset Quality
1
Profitability
20
Liquidity
4
Efficiency
4
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lincoln, NE · Charter 10756
NCUA · 1 branch
Q2 2026
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.75% | -0.79% | -0.52% | -2.76% | -2.25% | -150 bps | |
| Return on Equity | -7.00% | -7.45% | -4.90% | -28.12% | -22.90% | -1,589 bps | |
| Net Interest Margin | 3.89% | 4.05% | 4.01% | 3.84% | 3.95% | +5 bps | |
| Efficiency Ratio | 106.09% | 108.65% | 110.06% | 121.36% | 112.56% | +647 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.70% | -2.26% | -2.68% | -5.34% | -8.35% | -1,005 bps | |
| Loan Growth (YoY) | 6.59% | -1.98% | -6.44% | -18.31% | -22.67% | -2,926 bps | |
| Share Growth (YoY) | 2.52% | -1.86% | -2.46% | -4.93% | -7.90% | -1,042 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.35% | 2.55% | 5.83% | 6.38% | 7.36% | +501 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 10.66% | 10.65% | 9.80% | 9.81% | -83 bps | |
| Net Worth / Assets | 10.64% | 10.66% | 10.65% | 9.80% | 9.81% | -83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.38% | 45.92% | 44.80% | 40.72% | 39.78% | -760 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lincoln, NE · Charter 10756 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-2.25%
Rank 1,651 of 1,683
Net Interest Margin
3.95%
Rank 713 of 1,683
Efficiency Ratio
112.79%
Rank 1,620 of 1,682
Equity / Assets
9.81%
Rank 1,374 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.25% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,651 / 1,683 | |
| Return on Equity | -22.89% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,657 / 1,681 | |
| Net Interest Margin | 3.95% | 3.31% | 3.82% | 4.32% | Beats 58% | 713 / 1,683 | |
| Efficiency Ratio | 112.79% | 68.91% | 78.20% | 86.93% | Beats 4% | 1,620 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 7.36% | 0.26% | 0.65% | 1.29% | Beats 1% | 1,658 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.81% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,374 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.81% | 10.44% | 12.89% | 16.53% | Beats 18% | 1,374 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 39.78% | 52.61% | 69.38% | 83.50% | 11th pctl | 1,499 / 1,683 | |
| Loans / Assets | 35.87% | 44.71% | 59.18% | 70.72% | 14th pctl | 1,450 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||