Electrical Workers No 22 Federal Credit Union

Credit UnionFCUOmaha, NE·Est. 1956·NCUA #10763Compare ⇄▤ Account brief

Total assets

$14.0M

▲ +7.0% YoY

Shares & deposits

$12.9M

▲ +6.5% YoY

Loans

$5.0M

▼ -3.4% YoY

Members

2,121

▲ +1.2% YoY

ROA (annualized)

0.98%

peers 0.60%

ROE (annualized)

13.20%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+7.0%	+1.3%	+5.7 pts
Share growth (YoY)	+6.5%	+0.7%	+5.8 pts
Loan growth (YoY)	-3.4%	-2.4%	-1.1 pts
ROA	0.98%	0.60%	+0.4 pts
ROE	13.2%	4.1%	+9.1 pts

ROA ranks in the 68th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$14.0M	$12.9M	$5.0M	$1.0M	$34K	0.98%	4.16%	0.01%	2,121
Q4 2025	$13.6M	$12.6M	$5.2M	$1.0M	$110K	0.81%	3.88%	0.24%	2,108
Q3 2025	$13.1M	$12.1M	$5.4M	$984K	$88K	0.90%	3.88%	0.16%	2,093
Q2 2025	$13.0M	$12.1M	$5.2M	$944K	$48K	0.74%	3.73%	0.33%	2,075
Q1 2025	$13.1M	$12.2M	$5.2M	$914K	$18K	0.55%	3.58%	0.35%	2,096
Q4 2024	$13.0M	$12.1M	$5.5M	$896K	$11K	0.09%	3.20%	0.40%	2,124
Q3 2024	$12.5M	$11.6M	$5.5M	$895K	$9K	0.10%	3.21%	0.81%	2,175
Q2 2024	$12.8M	$11.9M	$5.6M	$880K	$-5K	-0.08%	2.96%	1.04%

Thin capital·Net worth ratio 7.43% — Near the regulatory minimum; regulators watching, discretionary spend frozen

Earlier quarters (11)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.98%	0.60%	68th
Return on equity Annualized net income ÷ equity or net worth	13.2%	4.1%	94th
Net interest margin Interest income − interest expense, ÷ assets	4.16%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%