NEBRASKA ENERGY
Charter #24286 | NE
100M-500M
(1077 CUs)
Micro
($0-$500M)
12 100M-500M in NE
NEBRASKA ENERGY has 12 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 26.3% in tier
- + Relationship Depth Leader: Top 33.7% 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 19.8% 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
|
43rd in tier |
| 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
|
Top 24.0% in tier |
| 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
|
73rd in tier |
| 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
|
Top 21.3% in tier |
| 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
|
+3.3% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growth
#726 of 1006 • Top 26.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
2.93%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#928 of 1006 • Top 33.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
2.93%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.8K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (5)
Stagnation Risk
risk
#37 of 550 • Bottom 2.2% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.21%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.05%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$43.8K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
27.66%
(Tier:
24.41%, National:
19.60%)
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%)
Loan Growth (YoY):
2.71%
(Tier:
3.64%, National:
36.38%)
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 has flattened despite healthy profitability. May indicate a need to reassess growth strategy.
Why This Signature
Total Assets:
$318.43M
(Tier: $231.30M, National: $547.69M)
Asset Growth (YoY):
0.08%
(Tier:
4.61%, National:
3.04%)
Return on Assets:
1.21%
(Tier:
0.77%, National:
0.71%)
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%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#307 of 552 • Bottom 19.8% 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%)
Loan-to-Share Ratio:
108.44%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 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)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
12
Loan-to-Share Ratio
balance_sheet
Value:
108.44%
Peer Avg: 72.70%
#12 of 1077
Top 1.0% in 100M-500M tier
23
Total Delinquency Rate (60+ days)
risk
Value:
0.05%
Peer Avg: 0.86%
#23 of 1077
Top 2.0% in 100M-500M tier
24
Loan-to-Member Ratio (LMR)
engagement
Value:
$22,791
Peer Avg: $10,245
#24 of 1077
Top 2.1% in 100M-500M tier
45
Average Member Relationship (AMR)
engagement
Value:
$43,807
Peer Avg: $24,363
#45 of 1077
Top 4.1% in 100M-500M tier
46
Net Worth Ratio
risk
Value:
18.81%
Peer Avg: 12.15%
#46 of 1077
Top 4.2% in 100M-500M tier
66
Net Charge-Off Rate
risk
Value:
0.04%
Peer Avg: 0.47%
#66 of 1077
Top 6.0% in 100M-500M tier
69
Efficiency Ratio
profitability
Value:
57.97%
Peer Avg: 77.28%
#69 of 1077
Top 6.3% in 100M-500M tier
97
Total Loans
balance_sheet
Value:
$278.19M
Peer Avg: $147.80M
#97 of 1077
Top 8.9% in 100M-500M tier
117
Members Per Employee (MPE)
engagement
Value:
452.074
Peer Avg: 332.881
#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: 30.43%
#1039 of 1077
Bottom 3.6% in 100M-500M tier
1032
Fee Income Per Member
profitability
Value:
$65.24
Peer Avg: $174.31
#1032 of 1077
Bottom 4.3% in 100M-500M tier
946
Deposit Growth Rate
growth
Value:
-1.14%
Peer Avg: 4.69%
#946 of 1077
Bottom 12.3% in 100M-500M tier
944
Net Interest Margin (NIM)
profitability
Value:
2.81%
Peer Avg: 3.58%
#944 of 1077
Bottom 12.4% in 100M-500M tier
873
Asset Growth Rate
growth
Value:
0.08%
Peer Avg: 4.70%
#873 of 1077
Bottom 19.0% in 100M-500M tier