UNIVERSITY OF NEBRASKA

Charter #2384 | NE

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

UNIVERSITY OF NEBRASKA has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 20.5% in tier
  • + ROA 0.02% above tier average
  • + Net Interest Margin 0.64% above tier average
  • + Share Certificate Concentration (%): Top 3.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 15.7% in tier
  • - Efficiency Drag: Bottom 16.5% in tier
  • - Margin Compression: Bottom 24.6% in tier
  • - Indirect Auto Dependency: Bottom 24.7% in tier
  • - Stagnation Risk: Bottom 29.5% in tier
  • - Membership Headwinds: Bottom 30.4% in tier
  • - Institutional Decline: Bottom 32.4% in tier
  • - Efficiency ratio 6.83% above tier (higher cost structure)
  • - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 11,521
-0.8% YoY+1.1% QoQ
 -4.1K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 39th in tier
Assets $129.8M
+1.5% YoY-2.3% QoQ
 $-101.5M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 Bottom 20.1% in tier
Loans $62.4M
-2.1% YoY-0.4% QoQ
 $-85.4M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 Bottom 11.0% in tier
Deposits $115.3M
-0.1% YoY-3.2% QoQ
 $-84.9M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 Bottom 21.7% in tier
ROA 0.8%
-30.3% YoY-5.8% QoQ
 +0.0% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 54th in tier
NIM 4.2%
+1.6% YoY+1.0% QoQ
 +0.6% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 16.0% in tier
Efficiency Ratio 84.1%
+6.9% YoY+1.8% QoQ
 +6.8% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 74th in tier
Delinquency Rate 0.8%
+28.4% YoY-18.5% QoQ
 -0.1 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 54.1%
-2.0% YoY+2.9% QoQ
 -18.6% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 Bottom 13.8% in tier
AMR $15,431
+0.0% YoY-3.3% QoQ
 $-9K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 Bottom 11.7% in tier
CD Concentration 3.4%
-14.2% YoY-2.8% QoQ
 -21.0% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 24.1%
-1.1% YoY-1.9% QoQ
 +10.2% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#385 of 627 • Top 20.5% in tier

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

Why This Signature
Return on Assets: 0.81%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (7)

Credit Quality Pressure

risk
#388 of 736 • Bottom 15.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.18% 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 | Rank improving

Efficiency Drag

risk
#291 of 521 • Bottom 16.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 84.11%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.35% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | New qualifier

Margin Compression

decline
#104 of 136 • Bottom 24.6% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.81%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.35% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $129.76M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#397 of 525 • Bottom 24.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.54%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 24.11%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#486 of 550 • Bottom 29.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.81%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $15.4K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 3.44%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#501 of 550 • Bottom 30.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#256 of 256 • Bottom 32.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $129.76M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -0.80%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.10%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 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 (2 metrics)

39
Share Certificate Concentration (%)
balance_sheet
Value: 3.44%
Peer Avg: 23.61%
#39 of 1077 Top 3.5% in 100M-500M tier
172
Net Interest Margin (NIM)
profitability
Value: 4.23%
Peer Avg: 3.58%
#172 of 1077 Top 15.9% in 100M-500M tier

Top Weaknesses (9 metrics)

988
Loan-to-Member Ratio (LMR)
engagement
Value: $5,419
Peer Avg: $10,245
#988 of 1077 Bottom 8.4% in 100M-500M tier
958
Total Loans
balance_sheet
Value: $62.43M
Peer Avg: $147.80M
#958 of 1077 Bottom 11.1% in 100M-500M tier
951
Average Member Relationship (AMR)
engagement
Value: $15,431
Peer Avg: $24,363
#951 of 1077 Bottom 11.8% in 100M-500M tier
928
Loan-to-Share Ratio
balance_sheet
Value: 54.12%
Peer Avg: 72.70%
#928 of 1077 Bottom 13.9% in 100M-500M tier
876
Deposit Growth Rate
growth
Value: -0.06%
Peer Avg: 4.69%
#876 of 1077 Bottom 18.8% in 100M-500M tier
860
Total Assets
balance_sheet
Value: $129.76M
Peer Avg: $231.30M
#860 of 1077 Bottom 20.2% in 100M-500M tier
843
Total Deposits
balance_sheet
Value: $115.35M
Peer Avg: $200.29M
#843 of 1077 Bottom 21.8% in 100M-500M tier
841
AMR Growth Rate
growth
Value: 0.01%
Peer Avg: 3.64%
#841 of 1077 Bottom 22.0% in 100M-500M tier
841
Indirect Auto Concentration (%)
balance_sheet
Value: 24.11%
Peer Avg: 13.34%
#841 of 1077 Bottom 22.0% in 100M-500M tier