BlastPoint's Credit Union Scorecard

NEBRASKA ENERGY

Charter #24286 · NE

1077 CUs in 100M-500M nationally 12 in NE

NEBRASKA ENERGY has 13 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 6.8% in tier
+ Relationship Depth Leader: Top 73.0% in tier
+ Profitability Leader: Top 79.7% in tier
+ ROA 0.42% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 1.0% in tier
+ Total Delinquency Rate (60+ days): Top 2.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.1% in tier
+ Average Member Relationship (AMR): Top 4.1% in tier
+ Net Worth Ratio: Top 4.2% in tier
+ Net Charge-Off Rate: Top 6.0% in tier
+ Efficiency Ratio: Top 6.3% in tier
+ Total Loans: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 2.2% in tier
- Liquidity Strain: Bottom 7.6% in tier
- Flatlined Growth: Bottom 10.7% in tier
- Membership Headwinds: Bottom 19.3% in tier
- Liquidity Overhang: Bottom 78.2% in tier
- Member decline: -2.0% YoY
- First Mortgage Concentration (%): Bottom 3.6% in tier
- Fee Income Per Member: Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	12,206 -2.0% YoY-1.5% QoQ	-3.4K	15,628 -3.4% YoY	11,261 +2.9% YoY	33,089 +6.1% YoY	43%
Assets	$318.4M +0.1% YoY-0.4% QoQ	+$87.1M	$231.3M -0.0% YoY	$135.7M +6.0% YoY	$547.7M +7.8% YoY	76%
Loans	$278.2M +2.7% YoY+1.0% QoQ	+$130.4M	$147.8M -1.4% YoY	$98.5M +7.2% YoY	$388.7M +8.6% YoY	Top 9.0% in tier
Deposits	$256.5M -1.1% YoY-1.0% QoQ	+$56.2M	$200.3M -0.0% YoY	$114.5M +4.4% YoY	$464.6M +9.3% YoY	73%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +58.7% YoY+12.7% QoQ	+0.4%	0.8% +15.5% YoY	0.7% +41.5% YoY	0.7% +273.4% YoY	79%
NIM	2.8% +17.0% YoY+1.9% QoQ	-0.8%	3.6% +6.9% YoY	4.0% +7.0% YoY	3.7% +5.0% YoY	Bottom 12.3% in tier
Efficiency Ratio	58.0% -14.8% YoY-6.0% QoQ	-19.3%	77.3% -3.0% YoY	80.8% -5.9% YoY	79.1% -3.3% YoY	Bottom 6.3% in tier
Delinquency Rate	0.0% -71.7% YoY-48.4% QoQ	-0.8	0.9% +7.6% YoY	1.1% +1.3% YoY	1.2% -0.9% YoY	Bottom 2.0% in tier
Loan To Share	108.4% +3.9% YoY+2.1% QoQ	+35.7%	72.7% -1.5% YoY	71.7% -1.6% YoY	68.0% -1.7% YoY	Top 1.1% in tier
AMR	$43,807 +2.9% YoY+1.5% QoQ	+$19K	$24,363 +2.9% YoY	$16,886 +0.6% YoY	$19,418 +1.3% YoY	Top 4.2% in tier
CD Concentration	27.7% +2.2% YoY+0.3% QoQ	+3.2%	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 (3)

Credit Quality Leader

growth

#24 of 340 • Top 6.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.12% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#188 of 257 • Top 73.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.93%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $1.8K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Profitability Leader

growth

#271 of 340 • Top 79.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.21%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.45% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#37 of 550 • Bottom 2.2% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.05%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 2.71%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk

#60 of 258 • Bottom 7.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 108.44%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 2.71%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Flatlined Growth

risk

#12 of 58 • Bottom 10.7% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.08%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 1.21%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Membership Headwinds

decline

#319 of 550 • Bottom 19.3% in tier

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

Why This Signature

Member Growth (YoY): -2.05%

(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 | Rank improving

Liquidity Overhang

risk

#105 of 134 • Bottom 78.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.81%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 108.44%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 108.44%

Peer Avg: -

#12 of 1077 Top 1.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,791

Peer Avg: -

#24 of 1077 Top 2.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $43,807

Peer Avg: -

#45 of 1077 Top 4.1% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.81%

Peer Avg: -

#46 of 1077 Top 4.2% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.04%

Peer Avg: -

#66 of 1077 Top 6.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.97%

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $278.19M

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

117

Members Per Employee (MPE)

engagement

Value: 452.074

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1039

First Mortgage Concentration (%)

balance_sheet

Value: 65.97%

Peer Avg: -

#1039 of 1077 Bottom 3.6% in 100M-500M tier

1032

Fee Income Per Member

profitability

Value: $65.24

Peer Avg: -

#1032 of 1077 Bottom 4.3% in 100M-500M tier

946

Deposit Growth Rate

growth

Value: -1.14%

Peer Avg: -

#946 of 1077 Bottom 12.3% in 100M-500M tier

944

Net Interest Margin (NIM)

profitability

Value: 2.81%

Peer Avg: -

#944 of 1077 Bottom 12.4% in 100M-500M tier

873

Asset Growth Rate

growth

Value: 0.08%

Peer Avg: -

#873 of 1077 Bottom 19.0% in 100M-500M tier