BlastPoint's Credit Union Scorecard

CHADRON

Charter #13966 · NE

<100M

2508 CUs in <100M nationally 34 in NE

CHADRON has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.04% above tier average

Key Concerns

Areas that may need attention

- ROA 2.74% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	2,229 -0.1% YoY-0.6% QoQ	-447	2,676 +1.6% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	57%
Assets	$20.3M -1.5% YoY-0.8% QoQ	$-9.8M	$30.2M +1.3% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	48%
Loans	$14.4M -6.7% YoY-1.6% QoQ	$-871K	$15.3M -2.0% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	61%
Deposits	$17.7M -2.5% YoY-1.2% QoQ	$-8.1M	$25.8M +0.7% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	48%

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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	-2.6% -312.5% YoY-482.4% QoQ	-2.7%	0.1% -77.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	Bottom 3.7% in tier
NIM	5.0% +0.6% YoY-1.5% QoQ	+1.0%	4.0% +4.0% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	Top 11.1% in tier
Efficiency Ratio	80.7% +11.0% YoY+0.5% QoQ	-10.0%	90.6% +6.5% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	48%
Delinquency Rate	1.0% -16.1% YoY-19.9% QoQ	-0.5	1.5% +3.8% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	65%
Loan To Share	81.6% -4.3% YoY-0.4% QoQ	+23.1%	58.5% -3.0% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	84%
AMR	$14,385 -4.4% YoY-0.8% QoQ	$-499	$14,884 -1.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	52%
CD Concentration	24.2% +3.7% YoY+3.8% QoQ	+0.0%	24.3%	22.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

279

Net Interest Margin (NIM)

profitability

Value: 5.04%

Peer Median: 3.83%

#279 of 2508 Top 11.1% in <100M tier

410

Loan-to-Share Ratio

balance_sheet

Value: 81.63%

Peer Median: 58.72%

#410 of 2508 Top 16.3% in <100M tier

Top Weaknesses (2 metrics)

2415

Return on Assets (ROA)

profitability

Value: -2.60%

Peer Median: 0.61%

#2415 of 2508 Bottom 3.7% in <100M tier

2029

AMR Growth Rate

growth

Value: -4.35%

Peer Median: 1.27%

#2029 of 2508 Bottom 19.1% in <100M tier