Lincoln, NE · Charter 2643
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
40
Asset Quality
21
Profitability
46
Liquidity
14
Efficiency
90
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 2643
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 | 0.47% | 0.42% | 0.54% | 0.64% | 0.72% | 0.69% | 1.01% | 0.99% | +35 bps | |
| Return on Equity | 3.93% | 3.59% | 4.72% | 5.53% | 6.06% | 5.86% | 8.60% | 8.29% | +275 bps | |
| Net Interest Margin | 1.89% | 1.85% | 1.85% | 1.98% | 2.08% | 2.10% | 2.31% | 2.34% | +37 bps | |
| Efficiency Ratio | 74.99% | 76.73% | 72.11% | 69.34% | 66.18% | 66.87% | 56.15% | 58.53% | -1,081 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 8.97% | 12.03% | 11.11% | 7.79% | 6.13% | 4.14% | 4.43% | -668 bps | |
| Loan Growth (YoY) | 0.24% | 1.47% | -0.68% | 1.29% | 0.05% | -2.73% | -5.10% | -5.88% | -716 bps | |
| Share Growth (YoY) | 4.07% | 10.03% | 13.50% | 12.30% | 8.34% | 6.32% | 3.89% | 4.18% | -812 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 1.41% | 0.27% | 0.89% | 1.37% | 1.44% | 1.49% | 1.52% | +63 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 | 12.07% | 11.82% | 11.41% | 11.56% | 11.81% | 11.83% | 11.75% | 11.93% | +37 bps | |
| Net Worth / Assets | 12.07% | 11.82% | 11.41% | 11.56% | 11.81% | 11.83% | 11.75% | 11.93% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.36% | 49.67% | 46.88% | 47.42% | 47.43% | 45.44% | 42.82% | 42.84% | -458 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 2643 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 604 of 1,683
Net Interest Margin
2.34%
Rank 1,637 of 1,683
Efficiency Ratio
58.46%
Rank 170 of 1,682
Equity / Assets
11.93%
Rank 1,006 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.99% | 0.35% | 0.74% | 1.18% | Beats 64% | 604 / 1,683 | ||
| Return on Equity | 8.28% | 2.67% | 5.89% | 8.74% | Beats 72% | 475 / 1,681 | ||
| Net Interest Margin | 2.34% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,637 / 1,683 | ||
| Efficiency Ratio | 58.46% | 68.91% | 78.20% | 86.93% | Beats 90% | 170 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.52% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,329 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.93% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,006 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.93% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,006 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.85% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,449 / 1,683 | ||
| Loans / Assets | 37.48% | 44.71% | 59.18% | 70.72% | 16th pctl | 1,416 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||