PackageTrendsPeer
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Lincoln S.D.A.

Lincoln, NE · Charter 65561

NCUA · 1 branch

Q2 2026

$9.9MAssets
$4.8MLoans
$8.6MShares
$1.1MNet 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 -0.34%, up 199 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 2.63% of loans (+122 bps YoY).
  • Capital: net worth / assets of 10.89%, down 51 bps from a year ago.
  • Funding: loans stand at 56.60% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.34%+199 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+110 bps YoY

Efficiency Ratio (quarter, annualized)

106.54%-4,757 bps YoY

Net Worth / Assets

10.89%-51 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-2.33%-2.76%-1.92%-0.74%-0.34%+199 bps
Return on Equity-20.43%-24.91%-17.75%-6.91%-3.10%+1,733 bps
Net Interest Margin2.69%2.93%3.04%3.42%3.79%+110 bps
Efficiency Ratio154.10%169.24%145.61%115.94%106.54%-4,757 bps
Growth
Asset Growth (YoY)-1.65%-4.03%-4.30%-4.96%-3.90%-225 bps
Loan Growth (YoY)-1.03%-1.83%-5.00%-1.80%-0.63%+40 bps
Share Growth (YoY)0.24%-2.24%-3.00%-3.24%-5.67%-591 bps
Asset Quality
Delinquent Loans / Loans1.41%1.24%2.05%0.54%2.63%+122 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 Capital11.40%11.06%10.83%10.68%10.89%-51 bps
Net Worth / Assets11.40%11.06%10.83%10.68%10.89%-51 bps
Liquidity & Funding
Loans / Shares53.73%54.44%54.72%54.70%56.60%+287 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps