PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lincoln Public School Employees

Lincoln, NE · Charter 2643

NCUA · 1 branch

Q2 2026

$74.1MAssets
$27.8MLoans
$64.8MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.99%, up 35 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 1.52% of loans (+63 bps YoY).
  • Capital: net worth / assets of 11.93%, up 37 bps from a year ago.
  • Funding: loans stand at 42.84% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.99%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.34%+37 bps YoY

Efficiency Ratio (YTD, annualized)

58.53%-1,081 bps YoY

Net Worth / Assets

11.93%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.42%0.54%0.64%0.72%0.69%1.01%0.99%+35 bps
Return on Equity3.93%3.59%4.72%5.53%6.06%5.86%8.60%8.29%+275 bps
Net Interest Margin1.89%1.85%1.85%1.98%2.08%2.10%2.31%2.34%+37 bps
Efficiency Ratio74.99%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 / Loans0.80%1.41%0.27%0.89%1.37%1.44%1.49%1.52%+63 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 Capital12.07%11.82%11.41%11.56%11.81%11.83%11.75%11.93%+37 bps
Net Worth / Assets12.07%11.82%11.41%11.56%11.81%11.83%11.75%11.93%+37 bps
Liquidity & Funding
Loans / Shares51.36%49.67%46.88%47.42%47.43%45.44%42.82%42.84%-458 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps