PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Electrical Workers No 22

Omaha, NE · Charter 10763

NCUA · 4 branches

Q2 2026

$14.4MAssets
$5.0MLoans
$13.3MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.89%, up 15 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.24% of loans (-9 bps YoY).
  • Capital: net worth / assets of 7.43%, up 18 bps from a year ago.
  • Funding: loans stand at 37.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.89%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+48 bps YoY

Efficiency Ratio (YTD, annualized)

77.34%-177 bps YoY

Net Worth / Assets

7.43%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.10%0.09%0.55%0.74%0.90%0.81%0.98%0.89%+15 bps
Return on Equity1.39%1.25%7.86%10.23%11.97%10.99%13.20%11.94%+170 bps
Net Interest Margin3.21%3.20%3.58%3.73%3.88%3.88%4.16%4.21%+48 bps
Efficiency Ratio93.26%94.73%83.36%79.12%77.19%77.49%77.77%77.34%-177 bps
Growth
Asset Growth (YoY)-9.88%-2.04%-1.55%1.78%4.88%4.07%6.99%10.47%+870 bps
Loan Growth (YoY)9.43%2.99%-4.11%-6.37%-2.38%-5.70%-3.42%-3.34%+302 bps
Share Growth (YoY)-10.48%-2.29%-1.93%1.35%4.39%3.47%6.47%10.27%+892 bps
Asset Quality
Delinquent Loans / Loans0.81%0.40%0.35%0.33%0.16%0.24%0.01%0.24%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.17%6.86%6.98%7.25%7.51%7.40%7.43%7.43%+18 bps
Net Worth / Assets7.17%6.86%6.98%7.25%7.51%7.40%7.43%7.43%+18 bps
Liquidity & Funding
Loans / Shares47.72%45.54%42.84%43.12%44.63%41.50%38.86%37.80%-532 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps