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 | |