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 1.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Net Worth Ratio: Top 1.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.12% below tier average
- - Efficiency ratio 20.14% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 6.3% in tier
- - Net Charge-Off Rate: Bottom 6.8% in tier
- - Loan Growth Rate: Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
559
-1.6% YoY-0.7% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$3.7M
-4.5% YoY-1.3% QoQ
|
$-26.1M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$2.4M
-18.4% YoY-4.3% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$2.0M
-5.7% YoY-1.2% QoQ
|
$-23.4M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.4%
-398.6% YoY-39.4% QoQ
|
-2.1% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.3% in tier |
| NIM |
5.6%
-4.1% YoY+0.8% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
101.5%
+19.1% YoY-6.1% QoQ
|
+20.1% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.9% in tier |
| Delinquency Rate |
1.2%
-13.1% YoY+69.4% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
116.4%
-13.4% YoY-3.0% QoQ
|
+55.2% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 1.2% in tier |
| AMR |
$7,896
-11.5% YoY-2.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
19% |
| CD Concentration |
7.3%
+2.0% YoY+2.0% QoQ
|
-17.2% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)