BlastPoint's Credit Union Scorecard
OMAHA
Charter #135 · NE
OMAHA has 10 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 0.2% in tier
- + Organic Growth Engine: Top 0.3% in tier
- + Emerging Performer: Top 1.6% in tier
- + Profitability Leader: Top 23.3% 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
- - Credit Risk Growth: Bottom 6.9% 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
|
19% |
| 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 |
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| 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
|
59% |
| 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
|
16% |
| 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
|
47% |
| 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
|
22% |
| 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
|
26% |
| 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
|
50% |
| Indirect Auto % |
10.0%
-30.9% YoY-6.7% QoQ
|
-4.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)