Nebraska Credit Unions

Member engagement deteriorated as growth decelerated to -2.66% in Q3 2025 from -1.90% last quarter, marking a significant reversal from positive 3.43% growth a year ago. The cohort now trails national member growth by 2.05 percentage points, indicating persistent membership retention challenges.

Profitability strengthened considerably with ROA increasing to 0.79% from 0.70% quarter-over-quarter and 0.58% year-over-year, now exceeding national average by 1 basis point. NIM expanded 9 basis points quarterly to 3.99%, up 26 basis points annually, demonstrating effective margin management.

Growth momentum decelerated significantly as asset growth slowed to 2.21% from 4.02% last quarter, while deposit growth decelerated sharply to 0.82% from 5.24% quarterly. However, loan growth accelerated modestly to 0.22% from 0.08% quarter-over-quarter, slightly outpacing national performance.

Risk profile showed mixed signals with delinquencies increasing 6 basis points quarterly to 1.03% and 22 basis points year-over-year, now 18 basis points above national average. Conversely, net worth strengthened to 13.29% from 12.82% quarterly and 12.81% annually, though remaining 39 basis points below national benchmark.

Portfolio composition shifted toward lower-risk assets with certificate concentration increasing 4.20 percentage points year-over-year to 22.09%, exceeding national average. First mortgage exposure declined 6.32 percentage points annually to 17.59%, while indirect auto lending decreased to 5.75%, both trailing national concentrations significantly.