OMAHA

Charter #135 | NE

100M-500M (1077 CUs) Micro
12 100M-500M in NE

OMAHA has 9 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.2% in tier
  • + Organic Growth Leader: Top 0.2% in tier
  • + Organic Growth Engine: Top 0.3% in tier
  • + ROA 0.94% above tier average
  • + Net Interest Margin 0.16% above tier average
  • + Strong member growth: 34.0% YoY
  • + Member Growth Rate: Top 1.0% in tier
  • + Asset Growth Rate: Top 1.3% in tier
  • + Deposit Growth Rate: Top 2.1% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 1.9% in tier
  • - Growth-at-Risk: Bottom 6.9% in tier
  • - Liquidity Overhang: Bottom 7.7% in tier
  • - Credit Quality Pressure: Bottom 15.8% in tier
  • - AMR Growth Rate: Bottom 1.7% in tier
  • - Total Deposits: Bottom 8.0% in tier
  • - Total Loans: Bottom 8.7% in tier
  • - Total Assets: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 8,359
+34.0% YoY-0.2% QoQ
 -7.3K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 Bottom 18.7% in tier
Assets $114.0M
+28.4% YoY-2.2% QoQ
 $-117.3M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 Bottom 9.7% in tier
Loans $58.1M
+11.5% YoY-1.0% QoQ
 $-89.7M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 Bottom 8.6% in tier
Deposits $96.4M
+23.6% YoY-2.5% QoQ
 $-103.9M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 Bottom 7.9% in tier
ROA 1.7%
+36.1% YoY-6.0% QoQ
 +0.9% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 Top 6.7% in tier
NIM 3.7%
+8.3% YoY+3.3% QoQ
 +0.2% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 59th in tier
Efficiency Ratio 65.7%
-6.2% YoY+2.5% QoQ
 -11.6% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 Bottom 16.2% in tier
Delinquency Rate 0.6%
+36.4% YoY-4.9% QoQ
 -0.2 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 47th in tier
Loan To Share 60.3%
-9.8% YoY+1.5% QoQ
 -12.4% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 Bottom 22.1% in tier
AMR $18,488
-11.4% YoY-1.7% QoQ
 $-6K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 26th in tier
CD Concentration 23.9%
-13.1% YoY-2.6% QoQ
 -0.5% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 10.0%
-30.9% YoY-6.7% QoQ
 -3.9% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#4 of 627 • Top 0.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.72%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 34.02%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Organic Growth Leader

growth
#4 of 430 • Top 0.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 34.02%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#7 of 603 • Top 0.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 34.02%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.72%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 10.02%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline
#20 of 244 • Bottom 1.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -11.38%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Growth-at-Risk

risk
#104 of 446 • Bottom 6.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.52%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#120 of 552 • Bottom 7.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.60%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 60.30%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Credit Quality Pressure

risk
#393 of 736 • Bottom 15.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.17% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

12
Member Growth Rate
growth
Value: 34.02%
Peer Avg: 0.72%
#12 of 1077 Top 1.0% in 100M-500M tier
15
Asset Growth Rate
growth
Value: 28.36%
Peer Avg: 4.70%
#15 of 1077 Top 1.3% in 100M-500M tier
24
Deposit Growth Rate
growth
Value: 23.61%
Peer Avg: 4.69%
#24 of 1077 Top 2.1% in 100M-500M tier
72
Return on Assets (ROA)
profitability
Value: 1.72%
Peer Avg: 0.79%
#72 of 1077 Top 6.6% in 100M-500M tier
124
Loan Growth Rate
growth
Value: 11.52%
Peer Avg: 3.45%
#124 of 1077 Top 11.4% in 100M-500M tier
175
Efficiency Ratio
profitability
Value: 65.66%
Peer Avg: 77.28%
#175 of 1077 Top 16.2% in 100M-500M tier
188
Net Worth Ratio
risk
Value: 14.60%
Peer Avg: 12.15%
#188 of 1077 Top 17.4% in 100M-500M tier
264
Members Per Employee (MPE)
engagement
Value: 379.955
Peer Avg: 332.881
#264 of 1077 Top 24.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1060
AMR Growth Rate
growth
Value: -11.38%
Peer Avg: 3.64%
#1060 of 1077 Bottom 1.7% in 100M-500M tier
992
Total Deposits
balance_sheet
Value: $96.41M
Peer Avg: $200.29M
#992 of 1077 Bottom 8.0% in 100M-500M tier
984
Total Loans
balance_sheet
Value: $58.14M
Peer Avg: $147.80M
#984 of 1077 Bottom 8.7% in 100M-500M tier
973
Total Assets
balance_sheet
Value: $113.97M
Peer Avg: $231.30M
#973 of 1077 Bottom 9.7% in 100M-500M tier
876
Total Members
engagement
Value: 8,359
Peer Avg: 15,628
#876 of 1077 Bottom 18.8% in 100M-500M tier
839
Loan-to-Share Ratio
balance_sheet
Value: 60.30%
Peer Avg: 72.70%
#839 of 1077 Bottom 22.2% in 100M-500M tier
835
Loan-to-Member Ratio (LMR)
engagement
Value: $6,955
Peer Avg: $10,245
#835 of 1077 Bottom 22.6% in 100M-500M tier