Omaha, NE · Charter 16
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 in the Omaha, NE-IA area (n=18). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
61
Profitability
29
Liquidity
44
Efficiency
17
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.
Omaha, NE · Charter 16
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 | 0.26% | 0.27% | -0.09% | 0.11% | 0.02% | 0.04% | -0.24% | -0.05% | -16 bps | |
| Return on Equity | 1.91% | 1.95% | -0.71% | 0.88% | 0.11% | 0.29% | -1.72% | -0.32% | -121 bps | |
| Net Interest Margin | 3.46% | 3.52% | 3.08% | 3.04% | 3.58% | 3.91% | 3.58% | 3.78% | +74 bps | |
| Efficiency Ratio | 93.71% | 93.58% | 102.58% | 96.90% | 99.63% | 99.06% | 106.09% | 101.08% | +418 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.84% | 0.77% | 3.26% | 7.32% | -2.68% | -7.26% | -8.16% | -10.72% | -1,803 bps | |
| Loan Growth (YoY) | 7.19% | -9.24% | -15.69% | -4.57% | 1.56% | -0.76% | 8.66% | -5.95% | -138 bps | |
| Share Growth (YoY) | -1.15% | 0.10% | 3.15% | 7.97% | -3.44% | -7.72% | -9.29% | -12.09% | -2,007 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.41% | 0.43% | 0.32% | 0.25% | 0.36% | 0.50% | 0.20% | -12 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 | 0.85% | 0.97% | 1.14% | 1.06% | 1.12% | 1.21% | 1.22% | 1.29% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.55% | 13.82% | 12.96% | 12.60% | 13.96% | 14.89% | 14.06% | 14.01% | +141 bps | |
| Net Worth / Assets | 13.55% | 13.82% | 12.96% | 12.60% | 13.96% | 14.89% | 14.06% | 14.01% | +141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.81% | 44.68% | 38.05% | 40.47% | 48.18% | 48.05% | 45.58% | 43.29% | +282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Omaha, NE · Charter 16 · Peer group: credit unions under $1B in assets in the Omaha, NE-IA area (n=18)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.04%
Rank 14 of 18
Net Interest Margin
3.78%
Rank 10 of 18
Efficiency Ratio
101.03%
Rank 16 of 18
Equity / Assets
14.01%
Rank 9 of 18
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.04% | -0.04% | 0.96% | 1.20% | Beats 22% | 14 / 18 | ||
| Return on Equity | -0.31% | -0.31% | 5.60% | 9.86% | Beats 22% | 14 / 18 | ||
| Net Interest Margin | 3.78% | 3.29% | 3.78% | 4.10% | Beats 44% | 10 / 18 | ||
| Efficiency Ratio | 101.03% | 69.73% | 80.05% | 99.73% | Beats 17% | 16 / 18 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.04% | 0.25% | 1.23% | Beats 61% | 8 / 18 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.01% | 9.54% | 14.01% | 17.54% | Beats 50% | 9 / 18 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.01% | 9.54% | 14.01% | 17.54% | Beats 50% | 9 / 18 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 43.29% | 37.80% | 60.87% | 83.48% | 28th pctl | 13 / 18 | ||
| Loans / Assets | 37.17% | 34.93% | 54.47% | 72.37% | 28th pctl | 13 / 18 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||