NEBRASKA STATE EMPLOYEES
Charter #65816 · LINCOLN, NE · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.08% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.91% sits at the 89th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 74th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NEBRASKA STATE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.34M | 75th pct | 54th pct |
| Members | 3,092 | 78th pct | 59th pct |
| Net worth ratio | 13.91% | 52th pct | 74th pct |
| Return on average assets | 1.13% | 73th pct | 62th pct |
| Net interest margin | 3.91% | 53th pct | 61th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 39.30% | 20th pct | 34th pct |
| Delinquency 60+ days | 0.08% | 19th pct | 18th pct |
| Net charge-off ratio | 0.91% | 84th pct | 89th pct |
| Loan growth YoY | 0.90% | 76th pct | 75th pct |
| Share growth YoY | 3.82% | 64th pct | 44th pct |
| Efficiency ratio | 68.36% | 24th pct | 39th pct |
structural peer set hash: 2ddefe374082d4ce44727190a67a139e… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.