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Nebraska Rural Electric Association

Lincoln, NE · Charter 61715

NCUA · 1 branch

Q2 2023

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: Q2 2023, the quarter ended June 30, 2023, 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

Nebraska Rural Electric Association

Lincoln, NE · Charter 61715

NCUA · 1 branch

Q2 2023

$4.3MAssets
$3.0MLoans
$3.5MShares
$832KNet Worth

Executive Summary

  • Earnings: ROA of 0.22%, up 24 bps year over year; NIM at 4.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.25%, up 594 bps from a year ago.
  • Funding: loans stand at 85.45% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

0.22%+24 bps YoY

Net Interest Margin (YTD, annualized)

4.11%+233 bps YoY

Efficiency Ratio (YTD, annualized)

91.31%-522 bps YoY

Net Worth / Assets

19.25%+594 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets0.12%0.18%0.17%-0.01%-0.09%0.15%3.34%0.22%+24 bps
Return on Equity0.96%1.36%1.32%-0.11%-0.63%1.02%21.19%1.15%+126 bps
Net Interest Margin1.92%1.95%1.72%1.78%1.98%1.89%4.07%4.11%+233 bps
Efficiency Ratio91.35%88.58%86.00%96.53%100.29%88.64%17.67%91.31%-522 bps
Growth
Asset Growth (YoY)1.41%-0.28%2.18%-0.71%-7.37%-9.32%-15.23%-30.01%-2,930 bps
Loan Growth (YoY)-8.13%-6.07%-12.81%-8.75%-2.40%-1.23%8.49%6.20%+1,495 bps
Share Growth (YoY)1.30%-0.64%2.22%-0.90%-8.43%-10.74%-17.88%-34.85%-3,395 bps
Asset Quality
Delinquent Loans / Loans1.33%0.17%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.23%0.31%0.41%0.47%0.48%0.54%0.72%0.79%+32 bps
Capital
Risk-Based Capital12.89%13.16%13.03%13.31%14.00%14.60%15.76%19.25%+594 bps
Net Worth / Assets12.89%13.16%13.03%13.31%14.00%14.60%15.76%19.25%+594 bps
Liquidity & Funding
Loans / Shares55.55%54.25%51.82%52.42%59.20%60.03%68.46%85.45%+3,303 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps