State credit union · LINCOLN, Nebraska · NCUA charter #65816
Nebraska State Employees
Health score 90/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $35.7M
- Total assets
- 3,078
- Members
- 12.6%
- Net-worth ratio
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 - 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)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)64
Weighted composite: 90/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.61% | 30% |
| Delinquency Rate | 0.30% | 25% |
| Return on Assets | 1.49% | 15% |
| Member Growth | 0.88% | 15% |
| Loan-to-Share Ratio | 40.28% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Nebraska State Employees
3,078 members and $35.7M in total assets sit behind Nebraska State Employees, a state credit union in LINCOLN, Nebraska, which posts a health score of 90/100 (Excellent) on the five-factor composite, with $12.5M in outstanding loans as of Q4 2025 and a net worth ratio of 12.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #65816 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.30% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 40.28% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.49% on net income of $531K 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 0.88%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.61% 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 12.61% 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.
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.