BlastPoint's Credit Union Scorecard

SIOUXLAND

Charter #24327 · NE

100M-500M

1070 CUs in 100M-500M nationally 12 in NE

SIOUXLAND has 2 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

+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.07% below tier average
- Efficiency ratio 4.32% above tier (higher cost structure)
- Member decline: -8.9% YoY
- Member Growth Rate: Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	25,513 -8.9% YoY-0.7% QoQ	+10.4K	15,145 -2.5% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	Top 11.3% in tier
Assets	$353.7M +7.9% YoY+5.0% QoQ	+$122.0M	$231.7M +0.8% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	82%
Loans	$246.9M +5.6% YoY-0.4% QoQ	+$102.7M	$144.1M +0.2% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	Top 13.6% in tier
Deposits	$309.8M +8.3% YoY+5.7% QoQ	+$108.7M	$201.1M +0.4% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	83%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -28.0% YoY-28.6% QoQ	-0.1%	0.7% +5.1% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	47%
NIM	3.4% -1.4% YoY-5.0% QoQ	-0.3%	3.6% +4.6% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	82.3% +6.2% YoY+8.2% QoQ	+4.3%	78.0% -1.7% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	64%
Delinquency Rate	0.4% -4.5% YoY+24.8% QoQ	-0.4	0.8% +7.1% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	30%
Loan To Share	79.7% -2.5% YoY-5.8% QoQ	+9.3%	70.4% -0.4% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	68%
AMR	$21,819 +17.6% YoY+3.6% QoQ	$-3K	$24,918 +2.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	43%
CD Concentration	27.6% +7.5% YoY-4.8% QoQ	+3.3%	24.3%	22.1%	19.8%	50%
Indirect Auto %	28.8% -7.9% YoY+1.4% QoQ	+15.0%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#32 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 17.58%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#39 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.94%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 28.84%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -8.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#51 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -8.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#260 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.60%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.39%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#555 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.35%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -8.94%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (8 metrics)

AMR Growth Rate

growth

Value: 17.58%

Peer Median: 3.46%

#25 of 1070 Top 2.2% in 100M-500M tier

121

Total Members

engagement

Value: 25,513

Peer Median: 13,200

#121 of 1070 Top 11.2% in 100M-500M tier

145

Total Loans

balance_sheet

Value: $246.86M

Peer Median: $121.41M

#145 of 1070 Top 13.5% in 100M-500M tier

156

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.35%

#156 of 1070 Top 14.5% in 100M-500M tier

168

Deposit Growth Rate

growth

Value: 8.27%

Peer Median: 3.30%

#168 of 1070 Top 15.6% in 100M-500M tier

182

Total Deposits

balance_sheet

Value: $309.81M

Peer Median: $171.29M

#182 of 1070 Top 16.9% in 100M-500M tier

192

Total Assets

balance_sheet

Value: $353.69M

Peer Median: $196.57M

#192 of 1070 Top 17.9% in 100M-500M tier

196

Asset Growth Rate

growth

Value: 7.94%

Peer Median: 3.91%

#196 of 1070 Top 18.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1024

Member Growth Rate

growth

Value: -8.94%

Peer Median: -0.06%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

895

Indirect Auto Concentration (%)

balance_sheet

Value: 28.84%

Peer Median: 6.61%

#895 of 1070 Bottom 16.4% in 100M-500M tier

891

First Mortgage Concentration (%)

balance_sheet

Value: 48.02%

Peer Median: 29.47%

#891 of 1070 Bottom 16.8% in 100M-500M tier