BlastPoint's Credit Union Scorecard

SIOUXLAND

Charter #24327 · NE

1069 CUs in 100M-500M nationally 12 in NE

SIOUXLAND has 3 strengths but faces 6 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 9.0% in tier
+ ROA 0.16% above tier average
+ AMR Growth Rate: Top 3.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 12.5% in tier
- Indirect Auto Dependency: Bottom 33.7% in tier
- Stagnation Risk: Bottom 63.3% in tier
- Margin Compression: Bottom 86.9% in tier
- Member decline: -7.5% YoY
- Member Growth Rate: Bottom 5.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	25,693 -7.5% YoY-6.4% QoQ	+10.3K	15,437 -2.9% YoY	11,118 +2.3% YoY	33,374 +5.7% YoY	Top 11.4% in tier
Assets	$336.8M +4.4% YoY+2.2% QoQ	+$104.9M	$231.9M +1.3% YoY	$137.3M +7.4% YoY	$561.6M +9.7% YoY	79%
Loans	$247.8M +9.4% YoY+1.2% QoQ	+$100.5M	$147.3M -0.1% YoY	$99.6M +9.6% YoY	$397.0M +8.8% YoY	Top 14.4% in tier
Deposits	$293.0M +4.0% YoY+2.3% QoQ	+$92.2M	$200.8M +0.8% YoY	$116.6M +5.9% YoY	$477.3M +9.7% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -10.3% YoY-5.6% QoQ	+0.2%	0.8% +18.2% YoY	0.6% +50.8% YoY	0.7% +15.9% YoY	62%
NIM	3.5% +10.4% YoY-1.3% QoQ	-0.1%	3.6% +6.7% YoY	4.0% +10.2% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	76.1% +1.1% YoY+1.6% QoQ	-0.9%	77.0% -3.1% YoY	81.4% -6.7% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	0.3% -55.4% YoY-52.5% QoQ	-0.6	0.9% +4.2% YoY	1.1% -6.1% YoY	1.3% -2.1% YoY	17%
Loan To Share	84.6% +5.2% YoY-1.1% QoQ	+12.3%	72.2% -1.1% YoY	70.8% +0.1% YoY	67.4% -1.7% YoY	74%
AMR	$21,051 +15.1% YoY+8.7% QoQ	$-4K	$24,676 +3.4% YoY	$17,066 +1.6% YoY	$19,687 +2.0% YoY	40%
CD Concentration	28.9% +0.3% YoY+2.9% QoQ	+4.5%	24.4%	22.3%	19.8%	50%
Indirect Auto %	28.4% -4.9% YoY-2.8% QoQ	+14.7%	13.8%	5.6%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#47 of 513 • Top 9.0% in tier

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

Why This Signature

AMR Growth (YoY): 15.11%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#70 of 554 • Bottom 12.5% in tier

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

Why This Signature

Member Growth (YoY): -7.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#171 of 506 • Bottom 33.7% in tier

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

Why This Signature

Asset Growth (YoY): 4.41%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 28.45%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -7.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Stagnation Risk

risk

#351 of 554 • Bottom 63.3% 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): -7.54%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 9.41%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.31%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Margin Compression

decline

#107 of 123 • Bottom 86.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.92%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.02%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | 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 1069 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 15.11%

Peer Median: -

#36 of 1069 Top 3.3% in 100M-500M tier

122

Total Members

engagement

Value: 25,693

Peer Median: -

#122 of 1069 Top 11.3% in 100M-500M tier

154

Total Loans

balance_sheet

Value: $247.81M

Peer Median: -

#154 of 1069 Top 14.3% in 100M-500M tier

181

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: -

#181 of 1069 Top 16.8% in 100M-500M tier

193

Loan Growth Rate

growth

Value: 9.41%

Peer Median: -

#193 of 1069 Top 18.0% in 100M-500M tier

211

Total Deposits

balance_sheet

Value: $293.05M

Peer Median: -

#211 of 1069 Top 19.6% in 100M-500M tier

220

Total Assets

balance_sheet

Value: $336.81M

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

Top Weaknesses (3 metrics)

1009

Member Growth Rate

growth

Value: -7.54%

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

882

Indirect Auto Concentration (%)

balance_sheet

Value: 28.45%

Peer Median: -

#882 of 1069 Bottom 17.6% in 100M-500M tier

877

First Mortgage Concentration (%)

balance_sheet

Value: 46.97%

Peer Median: -

#877 of 1069 Bottom 18.1% in 100M-500M tier