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North Platte Union Pacific Employee

North Platte, NE · Charter 65528

NCUA · 1 branch

Q2 2026

$43.4MAssets
$15.5MLoans
$36.0MShares
$7.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.10%, up 61 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.75% of loans (+16 bps YoY).
  • Capital: net worth / assets of 16.48%, up 49 bps from a year ago.
  • Funding: loans stand at 43.14% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.10%+61 bps YoY

Net Interest Margin (quarter, annualized)

3.02%+18 bps YoY

Efficiency Ratio (quarter, annualized)

70.46%-759 bps YoY

Net Worth / Assets

16.48%+49 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.70%0.70%0.94%1.10%+61 bps
Return on Equity3.04%4.30%4.32%5.81%6.65%+361 bps
Net Interest Margin2.84%2.85%2.82%2.94%3.02%+18 bps
Efficiency Ratio78.05%74.75%76.15%73.73%70.46%-759 bps
Growth
Asset Growth (YoY)0.12%0.61%2.68%3.65%3.15%+303 bps
Loan Growth (YoY)-10.96%-12.27%-13.74%-15.46%-11.63%-68 bps
Share Growth (YoY)-0.56%0.06%1.40%2.05%1.53%+210 bps
Asset Quality
Delinquent Loans / Loans0.59%0.67%0.83%3.59%0.75%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.00%16.40%16.15%16.26%16.48%+49 bps
Net Worth / Assets16.00%16.40%16.15%16.26%16.48%+49 bps
Liquidity & Funding
Loans / Shares49.57%48.60%46.15%43.05%43.14%-643 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps