# OMAHA
OMAHA, NE · NCUA charter 135 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/omaha-135

Who the members are: federal charter, community charter, organized 1935. 8,285 members of 750,000 potential (1.1% of the field); checking penetration 42% (share draft accounts per 100 members); loans per 100 members 51.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $117.0M |
| Members | 8,285 (-1.3% YoY) |
| Full-time staff | 19 |
| Net worth | $17.5M |
| Net worth ratio | 14.9% (p82 of band) |
| ROA (annualized) | 1.43% (p86 of band) |
| Total delinquency | 0.70% (p56 of band) |
| Net charge-offs (annualized) | 0.24% (p37 of band) |
| Loans / shares | 56% (p27 of band) |
| Cash / assets | 31.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p53 of band) |
| Operating expense / assets | 3.02% (p27 of band) |
| Vehicles % of loans | 35% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 35% (p51 of band) |
| Vehicle delinquency | 0.65% (p55 of band) |
| Vehicle NCO | 0.62% (p56 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 58% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 26% |
| Average share balance | $8,049 |
| Participations bought / yr | $8.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $8.6M |
| Loans outstanding per 100 members | 51% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $13,264 |
| Loans granted, annualized | $9.2M |

## Participation posture (from the same filings)

Bought $8.4M and sold $0 in the latest annualized quarter; $8.6M outstanding purchased (49.4% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares -1.9% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | delinquency 2x band |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 6 | margin squeeze, charge-offs p90, members leaving |  |
| 2017-06 | 4 |  | margin squeeze, charge-offs p90 |
| 2017-09 | 2 |  | delinquency 2x band, members leaving |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 5 | delinquency 2x band, assets shrinking |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 4 |  | thin capital |
| 2018-12 | 2 |  | members leaving, assets shrinking |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | members leaving |  |
| 2019-12 | 5 | thin capital, net worth falling |  |
| 2020-03 | 4 |  | net worth falling |
| 2020-06 | 5 | margin squeeze |  |
| 2020-09 | 3 |  | delinquency 2x band, margin squeeze |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 | delinquency 2x band | 3rd-party paper>100% NW |
| 2021-06 | 2 |  | delinquency 2x band |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 1 |  | members leaving, delinquency 2x band |
| 2022-03 | 4 | net worth falling, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2022-06 | 2 |  | net worth falling, delinquency 2x band |
| 2022-09 | 1 |  | thin capital |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | delinquency 2x band |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency 2x band, delinquency rising |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | 3rd-party paper>100% NW |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-14 [Omaha police looking for suspect involved in Centris Federal Credit Union robbery - KETV](https://news.google.com/rss/articles/CBMimAFBVV95cUxNYlViTnhrMHhyY0NfZ0NOekhwbi1XOWtRX2dJMHNTcjB1bXl1SzQ1My1Ga0cyWm9sMU9KZ3d4c0o5RDFIMEU3aXBHU0hoc1RvQi1PTmZKTjcwWUM3QWlsRm5EMlM4a1NaTG00REdzTFBzR2NYc0RsemFyODd4VW5DS1ZaM1VYYzNtX2h4Qzl3R3JLVklnbmhnNA?oc=5) · KETV
- 2026-05-28 [Centris Federal Credit Union celebrates groundbreaking for second Bellevue location - CUInsight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWmlGZ0FHelliOFRIOG9GS3RXRnlIT3BtdHYtdmJCSXp2OTJqR2ExZHRoekRfcU5NZ0p1ZEx2cDFBaGxNZEFVbko3SS1wVnBkdFJDYVVZcV94SlhzU3dfSzRrOWd1aFBNbUp2RXFSak00SnZ0eXJPcHViQ0pkLXdWVnl6SmZaeGhCazFhUHJJZ01Fc1QwczdGUWZiUDNDY19SZnhPRHFxZXU3NER6ZGRJVERTVlBvdEE0ZjhDc2FfOGlEdw?oc=5) · CUInsight
- 2026-01-08 [Best Certificates of Deposit in Nebraska for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1IUlVXWXdKeU5kZGZBVjdwTEZLcXdRVXNXNGlfeWtLN3h2Nmtkd3JrNDZUcWpPZF8yM01vNE1FampPTjZsSVJnbE92MUVlU2ZxZGdNY1F6QkNFNjJJZWZINWExX0dhM2c?oc=5) · moneyrates.com
- 2026-01-06 [Cobalt Credit Union Teams Up with Eltropy to Deploy AI Voice - Finovate](https://news.google.com/rss/articles/CBMiigFBVV95cUxNR3VGRFBvTzNzUnQ5V0ZPa0tTVzh0aThVNndoeFk4ZFVJMU9YVENudVdtcm95bXpqMGpUYktqM0hxcVJLZVZ6UHJzamJtSEJoci1qZDlXQ193OFJPeXRMellWLUZCMjg2NkRXS2lSeTN1YTFsU0pQdTMycW8wLUxOXzRXa2NoNUZCcHc?oc=5) · Finovate
- 2025-12-29 [WrestleTix: AEW Dynamite | Wed • Dec 31 | Liberty First Credit Union Arena at Omaha, NE - Wrestlenomics](https://news.google.com/rss/articles/CBMivwFBVV95cUxQNFd5emo4cF85bjNSSm9Fd1ZaZUx5SGZrSTY0WG41RmdCUnZHcTRYZUNsdmRyTW1aVmJyQjFUc1VCYUtFQlVuTlJsa2FvbE1MMGl5Qi1YbV9iOW5fNURWTlJzemFkRGZzWDNYTDFLdGt2cmhrUGFQbnFVWlVoenpoMGRMMGZwdVZTcnp2VWRIdmVfbEVWcFNRT1YxaFNvS3JpYTlYcjRtbnVPSXlzTGJHaWppaHlvLWpWc0s1NmtQVQ?oc=5) · Wrestlenomics
- 2026-06-26 [Smishing: How seven people allegedly stole several thousand dollars from credit union account holders - KETV](https://news.google.com/rss/articles/CBMic0FVX3lxTE1XY29DSExuS2xLZTl4ejN3b20xNHY1cFR2cTV2RFBWeDFRY05tdF9ncU42dmlYdFluV3BJa29lWVUyWGxnWW5QT21yUG9TZDFtUUNiNXpvOUR2TUw5MEt1OW9kdklwQl9KSzJCbXkwcGdxaHM?oc=5) · KETV
- 2026-03-08 [Northeast Omaha Industrial Park Acquires Two Properties - growomaha.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQaTA1aUxfWXVqSU9GSV9rRHNTQzlHWmlDYV9nTTBVamFCaTlsWXFfVXE2ZlNtR0JsMGZXdk5RdEVhazB1cUt2bXJxU04ydXNiOFBNZkRvRnltUXJVMWRnOFFrVWhVbExSRjRod2ZYLVgwelQzSXo1QmtHU3FWMWg5YUUyU2s?oc=5) · growomaha.com
- 2022-08-22 [GreenState scraps acquisition of Nebraska bank after judge denies appeal - Banking Dive](https://news.google.com/rss/articles/CBMilwFBVV95cUxNODE4V0Y3X09FTG41c1hWZ2dTTjQ4eUdJY3BNa3FtbnNqSGZ4TGhlZzJSUEhIRlRyMHhSSTJUZTFKUGZHTFBQZ04zMUIyTC16YjJpYjhwVFJhXzVqS3IwQ2pjMGg4b3NPUWJWZ04wcDNyZDZaUHlkcFFFNlhjTGtHN3FfajRianFtVWFLT3hTTGlNYmxORzRr?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=135 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/7.json (key "135", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=135
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide