PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Nebraska State Employees

Lincoln, NE · Charter 65816

NCUA · 1 branch

Q2 2026

$36.8MAssets
$12.0MLoans
$31.9MShares
$5.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.07%, down 34 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.11% of loans (-44 bps YoY).
  • Capital: net worth / assets of 14.01%, up 69 bps from a year ago.
  • Funding: loans stand at 37.79% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.07%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.84%-13 bps YoY

Efficiency Ratio (quarter, annualized)

70.03%+568 bps YoY

Net Worth / Assets

14.01%+69 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.53%1.53%1.47%1.41%1.42%1.39%1.12%1.07%-34 bps
Return on Equity12.12%11.90%11.18%10.58%10.27%9.98%8.05%7.65%-292 bps
Net Interest Margin3.87%3.91%3.99%3.97%4.03%3.96%3.88%3.84%-13 bps
Efficiency Ratio63.46%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 / Loans0.15%0.18%0.21%0.55%0.51%0.30%0.08%0.11%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.59%12.87%13.17%13.33%13.81%13.89%13.91%14.01%+69 bps
Net Worth / Assets12.59%12.87%13.17%13.33%13.81%13.89%13.91%14.01%+69 bps
Liquidity & Funding
Loans / Shares42.99%40.74%40.32%41.44%40.44%40.28%39.30%37.79%-365 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps