BlastPoint's Credit Union Scorecard
NEBRASKA ENERGY
Charter #24286 · NE
NEBRASKA ENERGY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + ROA 0.49% above tier average
- + Loan-to-Share Ratio: Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 2.4% in tier
- + Total Delinquency Rate (60+ days): Top 2.7% in tier
- + Net Worth Ratio: Top 3.9% in tier
- + Efficiency Ratio: Top 4.5% in tier
- + Average Member Relationship (AMR): Top 4.7% 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
- - First Mortgage Concentration (%): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 4.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Nebraska.
- Shares and deposits +1.2% year over year ($262M in shares and deposits).
- Membership: 12,227 members, -1.3% vs a year ago.
- Delinquency rate 0.05%.
- Return on assets 1.36%.
- Efficiency ratio 55.54% vs a 76.73% peer average.
- Loan-to-share ratio 106.57% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,227
-1.3% YoY-0.0% QoQ
|
-2.9K |
15,168
-2.6% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$327.7M
+2.5% YoY-0.6% QoQ
|
+$95.6M |
$232.0M
+0.7% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$279.6M
+1.5% YoY+0.1% QoQ
|
+$133.4M |
$146.3M
+0.2% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Top 9.2% in tier |
| Deposits |
$262.4M
+1.2% YoY-1.3% QoQ
|
+$61.7M |
$200.7M
+0.2% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
1.4%
+26.6% YoY+10.2% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
2.9%
+5.8% YoY+4.0% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.0% in tier |
| Efficiency Ratio |
55.5%
-10.0% YoY-5.1% QoQ
|
-21.2% |
76.7%
-0.8% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
Top 4.5% in tier |
| Delinquency Rate |
0.0%
-48.8% YoY
|
-0.8 |
0.9%
+6.6% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
Top 2.7% in tier |
| Loan To Share |
106.6%
+0.3% YoY+1.4% QoQ
|
+35.0% |
71.5%
-0.3% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 1.2% in tier |
| AMR |
$44,330
+2.7% YoY-0.5% QoQ
|
+$19K |
$25,107
+3.2% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
Top 4.8% in tier |
| CD Concentration |
28.7%
+4.1% YoY+3.2% QoQ
|
+4.1% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 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 (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)