Lincoln, NE · Charter 2384
NCUA · 3 branches
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 | 1.17% | 1.09% | 0.76% | 0.86% | 0.82% | 0.81% | 0.70% | 0.53% | -34 bps | |
| Return on Equity | 12.06% | 11.31% | 7.92% | 8.65% | 7.87% | 7.75% | 6.61% | 4.90% | -375 bps | |
| Net Interest Margin | 4.19% | 4.09% | 4.30% | 4.21% | 4.28% | 4.33% | 4.40% | 4.30% | +8 bps | |
| Efficiency Ratio | 78.65% | 78.68% | 85.05% | 82.64% | 84.11% | 84.19% | 86.94% | 89.21% | +657 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.76% | -0.25% | 2.71% | 2.46% | 1.54% | -0.30% | -1.30% | -1.16% | -361 bps | |
| Loan Growth (YoY) | 4.45% | 2.39% | 1.64% | -0.06% | -2.10% | -3.20% | -0.81% | 2.21% | +228 bps | |
| Share Growth (YoY) | -7.23% | -1.27% | 0.78% | 1.25% | -0.06% | -1.77% | -2.04% | -1.64% | -289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.88% | 0.77% | 0.98% | 0.80% | 1.13% | 1.06% | 1.09% | +11 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 | 9.67% | 9.65% | 9.61% | 9.97% | 10.38% | 10.49% | 10.52% | 10.72% | +75 bps | |
| Net Worth / Assets | 9.67% | 9.65% | 9.61% | 9.97% | 10.38% | 10.49% | 10.52% | 10.72% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.25% | 53.78% | 52.06% | 52.58% | 54.12% | 52.99% | 52.71% | 54.64% | +206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |