Lincoln, NE · Charter 24724
NCUA · 2 branches
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 Atlanta-Sandy Springs-Roswell, GA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
84
Profitability
79
Liquidity
9
Efficiency
84
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 24724
NCUA · 2 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 | 0.95% | 1.01% | 1.23% | 1.37% | 1.45% | 1.48% | 1.33% | 1.45% | +9 bps | |
| Return on Equity | 8.99% | 9.45% | 11.41% | 12.38% | 12.45% | 12.28% | 10.90% | 11.28% | -110 bps | |
| Net Interest Margin | 3.49% | 3.50% | 3.61% | 3.73% | 3.85% | 3.89% | 3.85% | 4.01% | +28 bps | |
| Efficiency Ratio | 75.89% | 74.33% | 68.97% | 66.44% | 65.55% | 65.13% | 68.19% | 66.91% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.94% | -5.14% | -3.39% | 1.20% | 2.80% | 1.02% | 0.34% | -2.82% | -402 bps | |
| Loan Growth (YoY) | 2.02% | 1.66% | -2.94% | -2.12% | -0.58% | -2.77% | 0.46% | -3.67% | -154 bps | |
| Share Growth (YoY) | -9.85% | -6.49% | -4.64% | 0.59% | 1.94% | -0.48% | -1.00% | -4.77% | -536 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.03% | 0.02% | 0.02% | 0.08% | 0.00% | 0.00% | 0.01% | -1 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 | 10.53% | 10.68% | 10.79% | 11.03% | 11.64% | 12.07% | 12.25% | 12.87% | +184 bps | |
| Net Worth / Assets | 10.53% | 10.68% | 10.79% | 11.03% | 11.64% | 12.07% | 12.25% | 12.87% | +184 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.84% | 42.74% | 40.33% | 41.14% | 41.78% | 41.76% | 40.93% | 41.62% | +48 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 24724 · Peer group: credit unions under $1B in assets in the Atlanta-Sandy Springs-Roswell, GA area (n=19)
NCUA · 2 branches
Q2 2026
Return on Assets
1.45%
Rank 3 of 19
Net Interest Margin
4.01%
Rank 6 of 19
Efficiency Ratio
66.98%
Rank 4 of 19
Equity / Assets
12.87%
Rank 10 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.45% | -0.11% | 0.66% | 1.27% | Beats 84% | 3 / 19 | ||
| Return on Equity | 11.28% | -0.53% | 4.88% | 8.56% | Beats 84% | 3 / 19 | ||
| Net Interest Margin | 4.01% | 3.04% | 3.58% | 4.03% | Beats 68% | 6 / 19 | ||
| Efficiency Ratio | 66.98% | 67.29% | 83.22% | 91.36% | Beats 84% | 4 / 19 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.01% | 0.10% | 0.50% | 1.13% | Beats 84% | 4 / 19 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.87% | 10.58% | 12.87% | 17.85% | Beats 47% | 10 / 19 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.87% | 10.58% | 12.87% | 17.85% | Beats 47% | 10 / 19 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 41.62% | 41.38% | 66.89% | 77.97% | 26th pctl | 14 / 19 | ||
| Loans / Assets | 36.01% | 33.12% | 56.90% | 65.75% | 26th pctl | 14 / 19 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||