BlastPoint's Credit Union Scorecard
ROBERTS DAIRY EMPLOYEES
Charter #2414 · NE
ROBERTS DAIRY EMPLOYEES has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.4% in tier
- + Loan-to-Share Ratio: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Efficiency ratio 8.12% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - Net Charge-Off Rate: Bottom 4.2% in tier
- - Loan Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
546
-5.2% YoY-2.3% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
Bottom 15.0% in tier |
| Assets |
$3.7M
-1.2% YoY+0.1% QoQ
|
$-26.4M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
15% |
| Loans |
$2.2M
-16.3% YoY-5.7% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$2.1M
+0.4% YoY+1.1% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.7% in tier |
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| ROA |
-1.0%
+36.4% YoY-33.2% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.8% in tier |
| NIM |
5.6%
+305.2% YoY-0.4% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
90.7%
-21.2% YoY-10.7% QoQ
|
+8.1% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.2%
-18.3% YoY-0.1% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
108.6%
-16.7% YoY-6.7% QoQ
|
+48.0% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 1.9% in tier |
| AMR |
$7,874
-4.1% YoY-0.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
7.2%
+1.6% YoY-0.3% QoQ
|
-17.2% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 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)