BlastPoint's Credit Union Scorecard
NEBRASKA ENERGY
Charter #24286 · NE
NEBRASKA ENERGY has 11 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 74.9% in tier
- + ROA 0.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Loan-to-Member Ratio (LMR): Top 2.3% in tier
- + Net Charge-Off Rate: Top 2.6% in tier
- + Total Delinquency Rate (60+ days): Top 3.1% in tier
- + Net Worth Ratio: Top 4.0% in tier
- + Average Member Relationship (AMR): Top 4.1% in tier
- + Efficiency Ratio: Top 4.2% in tier
- + Total Loans: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 21.2% in tier
- - Flatlined Growth: Bottom 25.0% in tier
- - Membership Headwinds: Bottom 68.0% in tier
- - Liquidity Overhang: Bottom 77.6% in tier
- - Stagnation Risk: Bottom 90.2% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 3.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,211
-1.8% YoY+0.0% QoQ
|
-3.2K |
15,437
-2.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$319.9M
+0.7% YoY+0.5% QoQ
|
+$88.0M |
$231.9M
+1.3% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$277.1M
+3.0% YoY-0.4% QoQ
|
+$129.8M |
$147.3M
-0.1% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
Top 9.2% in tier |
| Deposits |
$257.2M
-0.5% YoY+0.3% QoQ
|
+$56.4M |
$200.8M
+0.8% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.3%
+52.4% YoY+5.8% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
2.9%
+14.1% YoY+1.7% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.0% in tier |
| Efficiency Ratio |
56.7%
-14.1% YoY-2.3% QoQ
|
-20.4% |
77.0%
-3.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
0.1%
-44.9% YoY+49.6% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.1% in tier |
| Loan To Share |
107.7%
+3.5% YoY-0.7% QoQ
|
+35.5% |
72.2%
-1.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 1.0% in tier |
| AMR |
$43,758
+3.2% YoY-0.1% QoQ
|
+$19K |
$24,676
+3.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Top 4.2% in tier |
| CD Concentration |
27.7%
+2.8% YoY+0.1% QoQ
|
+3.3% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)