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Letter portraitLegal landscapeQuarterYTD

Omaha Public Power Dist Emp

Omaha, NE · Charter 2507

NCUA · 3 branches

Q2 2026

$34.8MAssets
$7.7MLoans
$26.0MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.79%, up 74 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 0.00% of loans (-7 bps YoY).
  • Capital: net worth / assets of 25.22%, up 5 bps from a year ago.
  • Funding: loans stand at 29.72% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.79%+74 bps YoY

Net Interest Margin (YTD, annualized)

3.29%+45 bps YoY

Efficiency Ratio (YTD, annualized)

47.51%-1,649 bps YoY

Net Worth / Assets

25.22%+5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.76%1.10%1.05%1.25%1.38%1.82%1.79%+74 bps
Return on Equity2.91%3.04%4.47%4.16%4.95%5.47%7.21%7.09%+293 bps
Net Interest Margin2.10%2.27%2.72%2.84%2.89%2.96%3.36%3.29%+45 bps
Efficiency Ratio65.17%64.78%59.81%64.00%58.12%54.81%47.68%47.51%-1,649 bps
Growth
Asset Growth (YoY)-0.23%-2.44%0.13%-2.17%-0.22%5.15%4.30%7.17%+934 bps
Loan Growth (YoY)-14.84%-15.21%-13.45%-11.34%-3.53%-9.41%-10.39%-14.06%-272 bps
Share Growth (YoY)-0.96%-4.22%-1.09%-4.13%-1.84%4.94%3.56%7.09%+1,122 bps
Asset Quality
Delinquent Loans / Loans0.18%0.15%0.11%0.08%0.05%0.00%0.00%0.00%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.08%25.12%24.74%25.17%25.28%25.27%25.27%25.22%+5 bps
Net Worth / Assets24.08%25.12%24.74%25.17%25.28%25.27%25.27%25.22%+5 bps
Liquidity & Funding
Loans / Shares37.54%39.26%36.47%37.03%36.89%33.89%31.55%29.72%-731 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps