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Lincoln Usda

Lincoln, NE · Charter 3491

NCUA · 2 branches

Q3 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lincoln Usda

Lincoln, NE · Charter 3491

NCUA · 2 branches

Q3 2022

$6.1MAssets
$2.5MLoans
$5.4MShares
$683KNet Worth

Executive Summary

  • Earnings: ROA of -1.35%, down 106 bps year over year; NIM at 2.06%.
  • Asset quality: problem loans at 0.00% of loans (-15 bps YoY).
  • Capital: net worth / assets of 11.21%, up 9 bps from a year ago.
  • Funding: loans stand at 45.49% of shares as of Q3 2022.

Return on Assets (YTD, annualized)

-1.35%-106 bps YoY

Net Interest Margin (YTD, annualized)

2.06%-11 bps YoY

Efficiency Ratio (YTD, annualized)

155.22%+4,376 bps YoY

Net Worth / Assets

11.21%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets-0.09%-0.03%-0.26%-0.29%-0.15%0.11%-1.29%-1.35%-106 bps
Return on Equity-0.73%-0.30%-2.30%-2.58%-1.41%1.01%-12.23%-12.01%-943 bps
Net Interest Margin2.79%2.22%2.24%2.17%2.06%1.87%1.83%2.06%-11 bps
Efficiency Ratio102.84%101.36%110.21%111.46%105.73%94.76%159.60%155.22%+4,376 bps
Growth
Asset Growth (YoY)9.54%11.99%8.77%12.61%11.60%-0.04%1.36%-8.55%-2,116 bps
Loan Growth (YoY)-8.29%-5.53%-8.44%-6.09%-12.77%-8.99%-7.84%-10.87%-479 bps
Share Growth (YoY)11.16%13.83%10.29%14.89%13.43%0.14%2.32%-8.60%-2,349 bps
Asset Quality
Delinquent Loans / Loans0.16%0.15%0.19%0.15%0.16%0.00%0.00%0.00%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.51%0.52%0.54%0.51%0.59%0.58%0.60%0.61%+11 bps
Capital
Risk-Based Capital12.11%11.47%11.38%11.11%10.70%11.36%10.55%11.21%+9 bps
Net Worth / Assets12.11%11.47%11.38%11.11%10.70%11.36%10.55%11.21%+9 bps
Liquidity & Funding
Loans / Shares53.25%48.98%46.93%46.65%40.95%44.52%42.26%45.49%-116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps