BlastPoint's Credit Union Scorecard
CENTRAL NEBRASKA
Charter #24189 · NE
CENTRAL NEBRASKA has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.89% above tier (higher cost structure)
- - Member decline: -3.3% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,111
-3.3% YoY-1.0% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$11.4M
-3.8% YoY-3.2% QoQ
|
$-18.8M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$5.6M
+5.6% YoY+3.8% QoQ
|
$-10.1M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$9.9M
-4.7% YoY-3.8% QoQ
|
$-15.8M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.7%
-23.5% YoY-4.7% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
53% |
| NIM |
4.4%
+5.1% YoY+2.0% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
83.4%
+6.5% YoY+1.7% QoQ
|
+0.9% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.2%
-0.7% YoY+455.8% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
57.0%
+10.8% YoY+7.8% QoQ
|
-3.7% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$13,931
+2.2% YoY-0.2% QoQ
|
$-852 |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration | 0.0% | -24.4% | 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)