# NEBRASKA STATE EMPLOYEES
LINCOLN, NE · NCUA charter 65816 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nebraska-state-employees-65816

Who the members are: state charter, organized 1941. 3,092 members of 30,000 potential (10.3% of the field); checking penetration 29% (share draft accounts per 100 members); loans per 100 members 32.

**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 | $36.3M |
| Members | 3,092 (0.9% YoY) |
| Full-time staff | 7 |
| Net worth | $5.1M |
| Net worth ratio | 13.9% (p44 of band) |
| ROA (annualized) | 1.12% (p74 of band) |
| Total delinquency | 0.08% (p24 of band) |
| Net charge-offs (annualized) | 0.91% (p84 of band) |
| Loans / shares | 39% (p24 of band) |
| Cash / assets | 63.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.88% (p50 of band) |
| Operating expense / assets | 2.87% (p28 of band) |
| Vehicles % of loans | 51% (p37 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.08% (p36 of band) |
| Vehicle NCO | 1.57% (p91 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 24% |
| Average share balance | $6,428 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $12,515 |
| Loans granted, annualized | $5.1M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | assets shrinking | members leaving |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | assets shrinking |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze, loan book shrinking | members leaving |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 4 | auto monoline |  |
| 2021-03 | 5 | losing money |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 4 |  | loan book shrinking |
| 2021-12 | 5 | delinquency rising |  |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 3 |  | auto monoline |
| 2022-09 | 0 |  | net worth falling, losing money, delinquency rising |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | delinquency rising, assets shrinking, members leaving |  |
| 2023-09 | 2 |  | members leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | delinquency rising, assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | members leaving |  |
| 2024-12 | 1 | delinquency rising | members leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2024-08-01 [Joyce J. Hietbrink - Roper and Sons](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5aYmFXS0hVcHBVbkhDQzhOUXk3cmlxeWR4SlZzSTZyUUN1WGVSblBOOVhyb1loMjZWUEpMeGRyXzhNa2pqZlNKcEo1Ti1RS2ktRVdDN3diamJyS0JvM2VfSnBB?oc=5) · Roper and Sons
- 2025-04-08 [America's Best Regional Banks and Credit Unions 2025 - Nebraska - Newsweek Rankings](https://news.google.com/rss/articles/CBMijwFBVV95cUxPTVpuWENmWXF2SHZNQWlzZXJDek5GOGRmblVUV3RPZXctRTJpUWNZLUJSLVBmVkRFZkhnMkh1WTN1V2FvVUVZVUlWSlFvWUJiVzJVRVRqeXk2RE5Ua0NraW9WQ3FnR051bGZEZzhiSUFrNWlHNXF2UmNjX0Vod211UE9fR3JZckxuZERiOHQ4cw?oc=5) · Newsweek Rankings
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2021-11-05 [William E. (Bill) Peters - Roper and Sons](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1wUzRlUWlORTI5UlBLQlI2QmZFWUxldmRnbGZCdmRkUzB3Qkh3aE9uV0VieEVDQjcyQ1NOQlZRamRBSE5IMXVPTlpDY2xseUN4cUU1THoxRy1Ga1RPYVhOSW95QXBCWDA?oc=5) · Roper and Sons
- 2021-11-05 [William Peters Obituary (1939 - 2021) - Lincoln, NE - Omaha World-Herald - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPTTRpZHJYSWNaa2NDV2hXNmxvc3NROVhqQ2hIMk1rWWVkSUlvb1hJemRQWlI3SWpQNkRWMWRyRUVBNFBkZlp4NGI5cG92SFQxcks0SHU4OWFBVFVNQmxSVlZwRGlhdE50S2dObHN1VTBwOU1NUlZ5TjM3LVB5U1NCZmZ4YnFxV2t0eC1N?oc=5) · legacy.com
- 2020-03-01 [Larry Gavin Shafer - Roper and Sons](https://news.google.com/rss/articles/CBMiY0FVX3lxTFAtcnMtX1Uwdmg5Y2FpdGlGOVE2RTN5bm91Yk1JSmRueldOX3BOdWp4Q3NtMlVxOEprRWY5bktWTlNBZDB0QjVnWGtWelRQd01xZXVSV1AwNGZtbjc5bS02aU9jZw?oc=5) · Roper and Sons
- 2023-03-25 [Thomas Walter Jurgens - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOaEc0azJBM0VQSUxmbEpROXBCQlZrdHZ6LUNCbHZQaHBQQzNhSUN4S2Y3QWZKUDEwSkJsSGRUeV9OOGFyalFsa094bEFWVE5Ba1NmNUhXMFBDazEtZEJsY2oybzVVVWU5YlpXaGVEblZIN0YyMnhKWEF1Y0xadUpJbnpDMEx2TnFhZ1FQc3llSmplQQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65816 (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/24.json (key "65816", 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=65816
- 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