BlastPoint's Credit Union Scorecard
UNION PACIFIC STREAMLINER
Charter #2260 · NE
UNION PACIFIC STREAMLINER has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 1.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.39% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,472
-1.0% YoY-1.0% QoQ
|
-143 |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$19.9M
+0.0% YoY-3.3% QoQ
|
$-10.2M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$16.9M
-0.1% YoY+2.0% QoQ
|
+$1.1M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$17.9M
-0.7% YoY-3.6% QoQ
|
$-7.8M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.8%
-30.7% YoY-4.4% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
5.1%
+3.1% YoY+4.7% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
86.9%
+10.5% YoY+1.7% QoQ
|
+4.4% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.6%
+17.0% YoY+100.4% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
94.4%
+0.6% YoY+5.9% QoQ
|
+33.8% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 7.0% in tier |
| AMR |
$14,062
+0.6% YoY+0.1% QoQ
|
$-720 |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
12.3%
-1.5% YoY-5.2% QoQ
|
-12.1% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)