Lincoln, NE · Charter 65816
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
86
Profitability
62
Liquidity
0
Efficiency
73
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lincoln, NE · Charter 65816
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.53% | 1.47% | 1.41% | 1.42% | 1.39% | 1.12% | 1.07% | -34 bps | |
| Return on Equity | 12.12% | 11.90% | 11.18% | 10.58% | 10.27% | 9.98% | 8.05% | 7.65% | -292 bps | |
| Net Interest Margin | 3.87% | 3.91% | 3.99% | 3.97% | 4.03% | 3.96% | 3.88% | 3.84% | -13 bps | |
| Efficiency Ratio | 63.46% | 63.52% | 65.16% | 64.35% | 65.14% | 64.84% | 68.36% | 70.03% | +568 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.52% | 9.70% | 4.76% | 4.82% | 1.98% | 2.92% | 4.30% | 4.03% | -79 bps | |
| Loan Growth (YoY) | 1.10% | 2.18% | -2.31% | -0.40% | -3.97% | 0.21% | 0.89% | -5.33% | -493 bps | |
| Share Growth (YoY) | 8.25% | 9.19% | 3.94% | 3.79% | 2.09% | 1.36% | 3.51% | 3.81% | +2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.18% | 0.21% | 0.55% | 0.51% | 0.30% | 0.08% | 0.11% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 12.87% | 13.17% | 13.33% | 13.81% | 13.89% | 13.91% | 14.01% | +69 bps | |
| Net Worth / Assets | 12.59% | 12.87% | 13.17% | 13.33% | 13.81% | 13.89% | 13.91% | 14.01% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.99% | 40.74% | 40.32% | 41.44% | 40.44% | 40.28% | 39.30% | 37.79% | -365 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lincoln, NE · Charter 65816 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.07%
Rank 517 of 1,683
Net Interest Margin
3.84%
Rank 829 of 1,683
Efficiency Ratio
69.99%
Rank 453 of 1,682
Equity / Assets
14.01%
Rank 670 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.07% | 0.35% | 0.74% | 1.18% | Beats 69% | 517 / 1,683 | ||
| Return on Equity | 7.65% | 2.67% | 5.89% | 8.74% | Beats 66% | 564 / 1,681 | ||
| Net Interest Margin | 3.84% | 3.31% | 3.82% | 4.32% | Beats 51% | 829 / 1,683 | ||
| Efficiency Ratio | 69.99% | 68.91% | 78.20% | 86.93% | Beats 73% | 453 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 241 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.01% | 10.44% | 12.89% | 16.53% | Beats 60% | 670 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.01% | 10.44% | 12.89% | 16.53% | Beats 60% | 670 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.79% | 52.61% | 69.38% | 83.50% | 10th pctl | 1,522 / 1,683 | ||
| Loans / Assets | 32.77% | 44.71% | 59.18% | 70.72% | 10th pctl | 1,510 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||