State credit union · LINCOLN, Nebraska · NCUA charter #65816
Nebraska State Employees
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $35.7M
- Total assets
- 3,078
- Members
- 13.9%
- Net-worth ratio
Nebraska State Employees scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.7M; members 3,078; net-worth ratio 13.91%; health rank #1,080 of 4,374; healthier than 73rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,080 of 4,374 health · 2025Q4Nebraska State Employees · health 90/100 · $35.7M · 2025Q4
- NW 90/100
- DELQ 13.9%
- ROA 0.30%
- ASSETS 1.49%
- MEM $35.7M
- RANK 3,078
- PHOTO #1,080/4,374
- BOOK HANIN
- CHARTER 65816
Call Report peers
Nebraska State Employees in the assets neighbourhood
Nebraska State Employees's $35.7M assets sit next to HANIN ($35.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Nebraska State Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Nebraska State Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65816: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Nebraska State Employees vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 0.30% vs peer 1.15% (-0.84 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.52 pp (40.28% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Nebraska State Employees: in-state Call Report ranks
- Health composite ranks #9 of 50 among scored Nebraska credit unions.
- Assets rank #27 of 50 inside Nebraska ($35.7M reported).
- Membership ranks #25 of 50 among Nebraska CUs with a reported count (3,078 members).
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Nebraska State Employees
Nebraska State Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $35.7M (2025Q4) to $36.3M (2026Q1).
- Net-worth ratio shifted +0.02 pp (13.89% → 13.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 9.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.91% | -0.95 pp |
| Delinquency Rate | 0.30% | -0.84 pp |
| Return on Assets | 1.49% | +0.78 pp |
| Member Growth | 0.88% | - |
| Loan-to-Share Ratio | 40.28% | -19.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Nebraska State Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.3M | - |
| 2025Q4 | $35.7M | 3,078 |
| 2024Q4 | $34.7M | 3,051 |
| 2023Q4 | $31.6M | 3,129 |
Credit Union Details
- Charter Number
- 65816
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- LINCOLN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Nebraska State Employees runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Lincoln, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
- OMAHA PUBLIC POWER DIST EMPOmaha, NE · $10M–$50M88Health
- U.P. CONNECTIONOMAHA, NE · $10M–$50M75Health
- NEIGHBORHOOD COMMUNITYOmaha, NE · $10M–$50M80Health
- OMAHA DOUGLASOMAHA, NE · $10M–$50M81Health
- NORTH PLATTE UNION PACIFIC EMPLOYEENorth Platte, NE · $10M–$50M86Health
Compare Nebraska State Employees vs OMAHA PUBLIC POWER DIST EMP
Cross-state Call Report peers for Nebraska State Employees
Two NCUA Call Report peer sets for Nebraska State Employees, both outside Nebraska so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
Using this data
- Nebraska State Employees ranks #1,080 of 4,374 nationally on financial health and #9 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Omaha Public Power Dist Emp is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Omaha Public Power Dist Emp
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Nebraska State Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Nebraska State Employees carries a financial health score of 90/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,080 of 4,374; by total assets it ranks #2,706 of 4,374 nationally (same basis as /rankings/largest); and #27 of 50 within Nebraska. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.91% net worth ratio and a 0.30% delinquency rate.
How does Nebraska State Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Nebraska State Employees's 90/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Nebraska State Employees?
Membership eligibility for Nebraska State Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Nebraska State Employees directly for current membership requirements and application steps.
Is my money safe at Nebraska State Employees?
Federal credit unions like Nebraska State Employees 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. Nebraska State Employees's net worth ratio of 13.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nebraska State Employees offer compared to banks?
Credit unions like Nebraska State Employees 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 Nebraska State Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.