BlastPoint's Credit Union Scorecard

OMAHA

Charter #135 · NE

1069 CUs in 100M-500M nationally 12 in NE

OMAHA has 9 strengths but faces 5 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 0.5% in tier
+ Organic Growth Leader: Top 0.9% in tier
+ Organic Growth Engine: Top 1.7% in tier
+ ROA 0.93% above tier average
+ Net Interest Margin 0.20% above tier average
+ Strong member growth: 34.0% YoY
+ Member Growth Rate: Top 1.0% in tier
+ Asset Growth Rate: Top 1.1% in tier
+ Deposit Growth Rate: Top 1.6% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 5.8% in tier
- AMR Growth Rate: Bottom 1.1% in tier
- Total Deposits: Bottom 8.0% in tier
- Total Loans: Bottom 8.6% in tier
- Total Assets: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	8,358 +34.0% YoY-0.0% QoQ	-7.1K	15,437 -2.9% YoY	11,118 +2.3% YoY	33,374 +5.7% YoY	19%
Assets	$114.1M +28.6% YoY+0.1% QoQ	$-117.7M	$231.9M +1.3% YoY	$137.3M +7.4% YoY	$561.6M +9.7% YoY	Bottom 9.4% in tier
Loans	$56.2M +7.2% YoY-3.4% QoQ	$-91.2M	$147.3M -0.1% YoY	$99.6M +9.6% YoY	$397.0M +8.8% YoY	Bottom 8.5% in tier
Deposits	$96.5M +23.7% YoY+0.1% QoQ	$-104.3M	$200.8M +0.8% YoY	$116.6M +5.9% YoY	$477.3M +9.7% YoY	Bottom 7.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.7% +26.7% YoY-1.8% QoQ	+0.9%	0.8% +18.2% YoY	0.6% +50.8% YoY	0.7% +15.9% YoY	Top 6.4% in tier
NIM	3.8% +9.9% YoY+1.5% QoQ	+0.2%	3.6% +6.7% YoY	4.0% +10.2% YoY	3.8% +5.1% YoY	61%
Efficiency Ratio	66.0% -3.6% YoY+0.5% QoQ	-11.0%	77.0% -3.1% YoY	81.4% -6.7% YoY	79.7% -3.3% YoY	17%
Delinquency Rate	0.6% -11.1% YoY-7.6% QoQ	-0.3	0.9% +4.2% YoY	1.1% -6.1% YoY	1.3% -2.1% YoY	40%
Loan To Share	58.2% -13.3% YoY-3.5% QoQ	-14.0%	72.2% -1.1% YoY	70.8% +0.1% YoY	67.4% -1.7% YoY	20%
AMR	$18,270 -12.6% YoY-1.2% QoQ	$-6K	$24,676 +3.4% YoY	$17,066 +1.6% YoY	$19,687 +2.0% YoY	23%
CD Concentration	24.5% -18.7% YoY+2.3% QoQ	+0.1%	24.4%	22.3%	19.8%	50%
Indirect Auto %	9.1% -34.3% YoY-8.8% QoQ	-4.7%	13.8%	5.6%	7.8%	50%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#2 of 182 • Top 0.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.69%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 33.96%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#5 of 426 • Top 0.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 33.96%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 9.14%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#11 of 595 • Top 1.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 33.96%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.69%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 9.14%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Shrinking Wallet Share

decline

#13 of 208 • Bottom 5.8% in tier

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

Why This Signature

AMR Growth (YoY): -12.62%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 33.96%

Peer Median: -

#12 of 1069 Top 1.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 28.57%

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 23.69%

Peer Median: -

#18 of 1069 Top 1.6% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

166

Net Worth Ratio

risk

Value: 14.96%

Peer Median: -

#166 of 1069 Top 15.4% in 100M-500M tier

181

Efficiency Ratio

profitability

Value: 66.01%

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

256

Members Per Employee (MPE)

engagement

Value: 379.909

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

262

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1058

AMR Growth Rate

growth

Value: -12.62%

Peer Median: -

#1058 of 1069 Bottom 1.1% in 100M-500M tier

985

Total Deposits

balance_sheet

Value: $96.52M

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

978

Total Loans

balance_sheet

Value: $56.18M

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

969

Total Assets

balance_sheet

Value: $114.14M

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier

863

Total Members

engagement

Value: 8,358

Peer Median: -

#863 of 1069 Bottom 19.4% in 100M-500M tier

860

Loan-to-Member Ratio (LMR)

engagement

Value: $6,722

Peer Median: -

#860 of 1069 Bottom 19.6% in 100M-500M tier

856

Loan-to-Share Ratio

balance_sheet

Value: 58.21%

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier

824

Average Member Relationship (AMR)

engagement

Value: $18,270

Peer Median: -

#824 of 1069 Bottom 23.0% in 100M-500M tier