Lincoln, NE · Charter 15522
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
11
Asset Quality
17
Profitability
83
Liquidity
6
Efficiency
70
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 15522
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 | 0.17% | 0.24% | 0.01% | -0.84% | 1.12% | 1.12% | 1.10% | 1.20% | +204 bps | |
| Return on Equity | 1.86% | 3.05% | 0.16% | -12.23% | 13.85% | 13.64% | 12.57% | 13.22% | +2,545 bps | |
| Net Interest Margin | 4.06% | 3.30% | 2.68% | 2.90% | 3.69% | 3.75% | 4.19% | 4.37% | +148 bps | |
| Efficiency Ratio | 84.43% | 84.28% | 96.28% | 125.07% | 70.51% | 70.95% | 75.22% | 71.45% | -5,362 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.24% | 22.92% | 36.46% | 47.38% | 29.89% | 10.23% | -0.43% | -9.74% | -5,712 bps | |
| Loan Growth (YoY) | 10.79% | 5.17% | 0.37% | 1.80% | 6.84% | 6.81% | 12.04% | 12.02% | +1,022 bps | |
| Share Growth (YoY) | -4.65% | 33.52% | 41.12% | 43.70% | 44.68% | 7.82% | -2.24% | -3.03% | -4,673 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.96% | 0.98% | 1.74% | 0.09% | 1.46% | 2.21% | 1.76% | +2 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 | 0.50% | 0.52% | 0.50% | 0.51% | 0.49% | 0.52% | 0.49% | 0.49% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.24% | 7.85% | 7.30% | 6.91% | 8.07% | 8.25% | 8.76% | 9.07% | +216 bps | |
| Net Worth / Assets | 9.24% | 7.85% | 7.30% | 6.91% | 8.07% | 8.25% | 8.76% | 9.07% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 112.48% | 81.34% | 75.56% | 78.58% | 83.06% | 80.57% | 86.60% | 90.77% | +1,219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lincoln, NE · Charter 15522 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.22%
Rank 390 of 1,683
Net Interest Margin
4.38%
Rank 391 of 1,683
Efficiency Ratio
71.30%
Rank 508 of 1,682
Equity / Assets
9.07%
Rank 1,499 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 390 / 1,683 | ||
| Return on Equity | 13.42% | 2.67% | 5.89% | 8.74% | Beats 95% | 79 / 1,681 | ||
| Net Interest Margin | 4.38% | 3.31% | 3.82% | 4.32% | Beats 77% | 391 / 1,683 | ||
| Efficiency Ratio | 71.30% | 68.91% | 78.20% | 86.93% | Beats 70% | 508 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.76% | 0.26% | 0.65% | 1.29% | Beats 17% | 1,404 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.07% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,499 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.07% | 10.44% | 12.89% | 16.53% | Beats 11% | 1,499 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.78% | 52.61% | 69.38% | 83.50% | 87th pctl | 212 / 1,683 | ||
| Loans / Assets | 79.44% | 44.71% | 59.18% | 70.72% | 91st pctl | 148 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||