Lincoln, NE · Charter 10756
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -1.03% | -0.87% | -0.75% | -0.79% | -0.52% | -2.76% | -2.25% | -150 bps | |
| Return on Equity | -1.54% | -9.18% | -8.14% | -7.00% | -7.45% | -4.90% | -28.12% | -22.90% | -1,589 bps | |
| Net Interest Margin | 3.55% | 3.62% | 3.67% | 3.89% | 4.05% | 4.01% | 3.84% | 3.95% | +5 bps | |
| Efficiency Ratio | 100.59% | 116.55% | 104.81% | 106.09% | 108.65% | 110.06% | 121.36% | 112.56% | +647 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.17% | -1.30% | 1.19% | 1.70% | -2.26% | -2.68% | -5.34% | -8.35% | -1,005 bps | |
| Loan Growth (YoY) | -10.16% | -4.30% | 8.18% | 6.59% | -1.98% | -6.44% | -18.31% | -22.67% | -2,926 bps | |
| Share Growth (YoY) | 0.11% | -0.38% | 2.13% | 2.52% | -1.86% | -2.46% | -4.93% | -7.90% | -1,042 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 2.82% | 3.56% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.99% | 11.17% | 10.64% | 10.64% | 10.66% | 10.65% | 9.80% | 9.81% | -83 bps | |
| Net Worth / Assets | 11.99% | 11.17% | 10.64% | 10.64% | 10.66% | 10.65% | 9.80% | 9.81% | -83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.98% | 46.70% | 47.38% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |