Federal credit union · Omaha, Nebraska · NCUA charter #2507
Omaha Public Power Dist Emp
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $33.5M
- Total assets
- 2,995
- Members
- 23.7%
- Net-worth ratio
Omaha Public Power Dist Emp - Share Insurance Coverage
Charter #2507's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Omaha Public Power Dist Emp - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth62
- Liquidity (loan-to-share)60
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 23.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.65% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.73% | 15% |
| Member Growth | 0.30% | 15% |
| Loan-to-Share Ratio | 33.89% | 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 | $33.5M | 2,995 |
| 2024Q4 | $31.8M | 2,986 |
| 2023Q4 | $32.6M | 3,160 |
Credit Union Details
- Charter Number
- 2507
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- Omaha
- Data Quarter
- 2025Q4
What This Data Says About Omaha Public Power Dist Emp
The five-factor composite scores Omaha Public Power Dist Emp at 88/100 (Excellent), reflecting a net worth ratio of 23.65% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Omaha, Nebraska, reports 2,995 members, $33.5M in total assets, and $8.5M in outstanding loans as of Q4 2025 under charter #2507 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
On loan book quality: 0.00% 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 33.89% 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 0.73% on net income of $243K 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 0.30%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); 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 Omaha Public Power Dist Emp financially healthy?
Omaha Public Power Dist Emp has a financial health score of 88/100 (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 23.65% and delinquency rate of 0.00%.
How does Omaha Public Power Dist Emp compare to other credit unions?
88/100 is Omaha Public Power Dist Emp's score on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Omaha Public Power Dist Emp?
Omaha Public Power Dist Emp operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Omaha Public Power Dist Emp directly for the exact boundaries and application steps.
Is my money safe at Omaha Public Power Dist Emp?
Federal credit unions like Omaha Public Power Dist Emp 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. Omaha Public Power Dist Emp's net worth ratio of 23.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Omaha Public Power Dist Emp offer compared to banks?
Credit unions like Omaha Public Power Dist Emp 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 Omaha Public Power Dist Emp 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.