# UNIVERSITY OF NEBRASKA
Lincoln, NE · NCUA charter 2384 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-nebraska-2384

Who the members are: federal charter, multiple common bond, organized 1937. 11,272 members of 100,000 potential (11.3% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 47.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $132.8M |
| Members | 11,272 (-1.1% YoY) |
| Full-time staff | 32 |
| Net worth | $14.0M |
| Net worth ratio | 10.5% (p33 of band) |
| ROA (annualized) | 0.70% (p50 of band) |
| Total delinquency | 1.06% (p75 of band) |
| Net charge-offs (annualized) | 0.18% (p31 of band) |
| Loans / shares | 53% (p20 of band) |
| Cash / assets | 25.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.40% (p87 of band) |
| Operating expense / assets | 4.89% (p85 of band) |
| Vehicles % of loans | 44% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 113% (p72 of band) |
| Vehicle delinquency | 2.13% (p92 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.15% (p83 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 11% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 3% |
| Average share balance | $5,877 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 47% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $11,646 |
| Loans granted, annualized | $25.3M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | delinquency rising |
| 2018-12 | 2 | delinquency rising |  |
| 2019-03 | 1 |  | delinquency rising |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 2 | delinquency rising | thin capital |
| 2019-12 | 2 | thin capital | delinquency rising |
| 2020-03 | 2 | net worth falling | members leaving |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 5 | capital below 7%, margin squeeze |  |
| 2021-06 | 5 | 3rd-party paper>100% NW | net worth falling |
| 2021-09 | 2 |  | capital below 7%, margin squeeze |
| 2021-12 | 3 | capital below 7% | 3rd-party paper>100% NW |
| 2022-03 | 5 | net worth falling, members leaving |  |
| 2022-06 | 2 | delinquency rising | capital below 7%, net worth falling, members leaving |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | assets shrinking, 3rd-party paper>100% NW |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | thin capital |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | delinquency rising | assets shrinking |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2018-04-26 [Gail L. DeBoer | College of Business Administration - University of Nebraska at Omaha](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNa0RqSUpMbGo2NGJ0WFlSQXpaR1ZhRTc2emdRZVJWelZrTlFuWUZybC1CM3lkNDMzNE93UEtOY0psdkxUTF9jYXZsTWk5eERoMXZLb1FZT1BtSENES2xfQjhlZEN0OU1zdExSRGotZW9uNnJwTEJQS01ObVNwQ2hIOVZWeFl1dEZ2?oc=5) · University of Nebraska at Omaha
- 2021-11-05 [William E. (Bill) Peters - roperandsons.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1wUzRlUWlORTI5UlBLQlI2QmZFWUxldmRnbGZCdmRkUzB3Qkh3aE9uV0VieEVDQjcyQ1NOQlZRamRBSE5IMXVPTlpDY2xseUN4cUU1THoxRy1Ga1RPYVhOSW95QXBCWDA?oc=5) · roperandsons.com
- 2018-09-12 [Getting to the next professional level takes some swimming upstream - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxObTk5b2RiOTlfbDFKZGtnVWRndXE1Vm1WZy0xV1pWUHVxVkh2SEY0eDNDU01xLU16NFFkRmlfTjBUVl91YzRiMVNkVXl2S3BjOE1RNi1RdFFCdmQ5UW1hai1MWVByRGlWdHQ1N0MzaktYMHVjaTg1QWtCck5LOGRva0dmUGRZZHJqbnRDY1plN3RCY1lOQ2oyVVAtZEtHNjN6bzVzSzlTTF8xU0RKR3BNcmtBY2loblk?oc=5) · American Banker
- 2022-10-16 [Roseann Farrell Obituary Oct 16, 2022 - Adams & Swanson Funeral Home](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9IU2pzZ2tJaTlaem9LUndxdm1qLWhtVWFqQmVsNkR4a2Nnek9wTUk4VGc3Z2NmTUVIMkVqUFRtUkZ0aDdGTElhY1BIWkpudmcwUTBnN1RSUzV1eDFHZk5CcnVKeW91dw?oc=5) · Adams & Swanson Funeral Home
- 2024-10-11 [Dale Springer Obituary - Lincoln, NE - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPSXZ6aTllSzNJWllsZWNTaHV3QTlic0V2NVRNYm9ISzF3Yk5DRlVQaVZmblZBSUJSbFNnUGM2ZkVoSU03UzBVYXhOdW9BU2EtbE11MU9YbjVrbWk1X2FWYU00bTBvd2pYYkVteE5WeXNBdTNMeEFsSGZOd29Td0xCdDVn?oc=5) · Dignity Memorial
- 2022-02-17 [Munch Madness XVII - klin.com](https://news.google.com/rss/articles/CBMiREFVX3lxTE5BXzVnNVQ5MThKSGtuYTRPc2QxYjU2QVR1ZElpY201b3FaZGRFemFZQWhpd2puOHVyS3MzSkpMS0lSNF84?oc=5) · klin.com
- 2012-06-24 [Larry Apland Obituary Jun 24, 2012 - Furness Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE1DSmJ4TXAxaHlDb21UcHpGTUxjN3RNTkhRcFVKUTB3U1I4T1U1RjhyWVU3anp5dFNnWmlQS2t1S2RMWWZUclNqNldWaFV3b0NDN3hyZXNNQU5nS2djVlhNQm4yLU1ZWUxjQ1E?oc=5) · Furness Funeral Home
- 2023-05-24 [NEW VICE PRESIDENT OF REAL ESTATE LENDING NAMED AT TRUSTAR FEDERAL CREDIT UNION - Park Rapids Enterprise](https://news.google.com/rss/articles/CBMimAJBVV95cUxNQ3p4am1rRkhtRWJZUmdCOHg4WVdtTGMtNGVoek9DUWRPTG11bUlKYWk2Y21qZEJSeS1PUDVjVWRZTUtTWGsyWWF6TGM2VDNybElrYkFLTUNDSXgyaVZEU2szcHNYY2xQTmNOUE5FUk5ubmNta2NUX0NFWGkyQlFZdlR5VjliT0d0YTJwSXhuSTlxc241emFNUFBjVDNlejhaRnVadTg4TThwNW5URlY1QWpwMndlckxJc1c3aW9TMS1ReW9qekVrblNwNlNYZTVCcC1OUExyQ1pxOVpOR0kxNHJXMnVpMVdxc2ljdkxlc1F1ZjZlN2tNZi1IZVpwREZkd2Qwci1wMkhLcndYdGhMYUtPT1pVRS1N?oc=5) · Park Rapids Enterprise

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2384 (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/16.json (key "2384", 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=2384
- 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