Federal credit union · LINCOLN, Nebraska · NCUA charter #15522
Local 265 Ibew
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $5.1M
- Total assets
- 1,402
- Members
- 8.1%
- Net-worth ratio
Local 265 Ibew - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #15522, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Local 265 Ibew - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)84
- Asset quality (delinquency)66
- Earnings (ROA)72
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.14%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.14% | 30% |
| Delinquency Rate | 1.46% | 25% |
| Return on Assets | 0.22% | 15% |
| Member Growth | 20.65% | 15% |
| Loan-to-Share Ratio | 80.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $5.1M | 1,402 |
| 2024Q4 | $4.6M | 1,162 |
| 2023Q4 | $3.7M | 1,015 |
Credit Union Details
- Charter Number
- 15522
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Nebraska
- City
- LINCOLN
- Data Quarter
- 2025Q4
What This Data Says About Local 265 Ibew
Charter #15522, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Local 265 Ibew, a federal credit union in LINCOLN, Nebraska with 1,402 members, $5.1M in total assets, and $3.6M in outstanding loans as of Q4 2025. The five-factor composite scores it 83/100 (Excellent), helped by a net worth ratio of 8.14% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.46% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 80.57% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.22% on net income of $11K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 20.65%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Local 265 Ibew financially healthy?
Local 265 Ibew has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.14% and delinquency rate of 1.46%.
How does Local 265 Ibew compare to other credit unions?
83/100 is Local 265 Ibew's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Local 265 Ibew?
Local 265 Ibew serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Local 265 Ibew directly for the current list of qualifying groups.
Is my money safe at Local 265 Ibew?
Federal credit unions like Local 265 Ibew are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Local 265 Ibew's net worth ratio of 8.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Local 265 Ibew offer compared to banks?
Credit unions like Local 265 Ibew are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Local 265 Ibew directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.