Nebraska Credit Unions

Member engagement deteriorated significantly with member growth declining to -1.75% in Q4 2025 from 1.27% a year ago, representing a 3.02 percentage point deceleration. However, the quarterly trend showed improvement as losses decelerated from -2.66% in Q3 to -1.75%, indicating potential stabilization despite remaining 1.05 percentage points below the national benchmark.

Profitability showed mixed signals with ROA decreasing to 0.64% from 0.79% in Q3 2025, yet remaining substantially above the 0.43% recorded a year ago. NIM remained stable at 4.02% compared to 3.99% last quarter and increased from 3.65% year-over-year, maintaining a strong 29 basis point advantage over the national benchmark.

Growth momentum was mixed as loan growth accelerated to 1.05% from 0.22% in Q3, outpacing the national benchmark by 53 basis points. However, asset growth decelerated both quarterly and annually, falling to 1.51% from 2.21% in Q3 and 3.14% a year ago, while deposit growth also decelerated to 0.60% from 0.82% quarterly.

Risk metrics showed improvement with delinquency rates decreasing to 0.96% from 1.03% in Q3 and remaining stable from 0.95% year-over-year. Net worth strengthened to 13.31% from 12.80% a year ago and held steady from 13.29% quarterly, though it remains 36 basis points below the national benchmark of 13.68%.

Portfolio composition shifted toward certificates, increasing to 22.27% from 21.75% year-over-year and 22.09% quarterly, exceeding the national average of 19.80%. First mortgage concentration decreased to 17.83% from 18.77% annually, while indirect auto lending fell to 5.55% from 5.95% year-over-year, both remaining below national benchmarks.