BlastPoint's Credit Union Scorecard
UNION PACIFIC STREAMLINER
Charter #2260 · NE
UNION PACIFIC STREAMLINER has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.61% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Efficiency ratio 6.30% above tier (higher cost structure)
- - Member decline: -2.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,447
-2.8% YoY-1.0% QoQ
|
-229 |
2,676
+1.6% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$21.3M
-1.8% YoY+7.0% QoQ
|
$-8.9M |
$30.2M
+1.3% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
49% |
| Loans |
$16.5M
-0.3% YoY-2.5% QoQ
|
+$1.2M |
$15.3M
-2.0% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$19.3M
-2.5% YoY+7.7% QoQ
|
$-6.5M |
$25.8M
+0.7% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
-0.0%
-105.8% YoY-105.2% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
4.6%
-2.6% YoY-9.9% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
96.9%
+10.7% YoY+11.5% QoQ
|
+6.3% |
90.6%
+6.5% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
0.4%
-11.7% YoY-40.8% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
85.4%
+2.2% YoY-9.5% QoQ
|
+26.9% |
58.5%
-3.0% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 12.2% in tier |
| AMR |
$14,593
+1.3% YoY+3.8% QoQ
|
$-291 |
$14,884
-1.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
12.7%
+2.5% YoY+3.4% QoQ
|
-11.5% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 7.7% | 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)