BlastPoint's Credit Union Scorecard
NEBRASKA ENERGY
Charter #24286 · NE
NEBRASKA ENERGY has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.50% above tier average
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Total Delinquency Rate (60+ days): Top 1.5% in tier
- + Loan-to-Member Ratio (LMR): Top 2.0% in tier
- + Net Worth Ratio: Top 4.1% in tier
- + Average Member Relationship (AMR): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -4.9% YoY
- - First Mortgage Concentration (%): Bottom 3.2% in tier
- - Fee Income Per Member: Bottom 5.0% in tier
- - Net Interest Margin (NIM): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,232
-4.9% YoY+0.2% QoQ
|
-2.9K |
15,145
-2.5% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$329.6M
+2.2% YoY+3.0% QoQ
|
+$97.9M |
$231.7M
+0.8% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$279.4M
+3.1% YoY+0.8% QoQ
|
+$135.2M |
$144.1M
+0.2% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
Top 7.9% in tier |
| Deposits |
$265.8M
+1.2% YoY+3.3% QoQ
|
+$64.6M |
$201.1M
+0.4% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
74% |
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| ROA |
1.2%
+43.3% YoY-3.7% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
2.8%
+5.4% YoY-1.9% QoQ
|
-0.8% |
3.6%
+4.6% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
58.5%
-14.0% YoY+3.3% QoQ
|
-19.5% |
78.0%
-1.7% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
0.0%
-65.6% YoY-64.6% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
Top 1.5% in tier |
| Loan To Share |
105.1%
+1.9% YoY-2.4% QoQ
|
+34.7% |
70.4%
-0.4% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 1.0% in tier |
| AMR |
$44,569
+7.4% YoY+1.9% QoQ
|
+$20K |
$24,918
+2.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
Top 4.3% in tier |
| CD Concentration |
27.8%
+5.2% YoY+0.4% QoQ
|
+3.5% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)