BlastPoint's Credit Union Scorecard
ROBERTS DAIRY EMPLOYEES
Charter #2414 · NE
ROBERTS DAIRY EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.18% above tier average
- + Net Worth Ratio: Top 1.4% in tier
- + Loan-to-Share Ratio: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - ROA 4.33% below tier average
- - Efficiency ratio 23.11% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Net Charge-Off Rate: Bottom 3.9% in tier
- - Loan Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
543
-4.1% YoY-0.5% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 15.0% in tier |
| Assets |
$3.7M
-1.8% YoY-0.4% QoQ
|
$-26.5M |
$30.2M
+1.3% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
15% |
| Loans |
$2.1M
-17.6% YoY-6.6% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$2.1M
-0.4% YoY+0.5% QoQ
|
$-23.7M |
$25.8M
+0.7% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.5% in tier |
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| ROA |
-4.2%
+200.4% YoY+334.8% QoQ
|
-4.3% |
0.1%
-77.6% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.2% in tier |
| NIM |
5.2%
-5.5% YoY-7.7% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
113.7%
+19.8% YoY+25.4% QoQ
|
+23.1% |
90.6%
+6.5% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
0.5%
-38.2% YoY-54.6% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
101.0%
-17.3% YoY-7.0% QoQ
|
+42.5% |
58.5%
-3.0% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 3.0% in tier |
| AMR |
$7,666
-6.0% YoY-2.6% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
7.2%
+29.9% YoY+0.1% QoQ
|
-17.0% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)