ONENEBRASKA

Charter #24402 | NE

100M-500M (1077 CUs) Micro
12 100M-500M in NE

ONENEBRASKA has 9 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.8% in tier
  • + Wallet Share Momentum: Top 8.7% in tier
  • + Relationship Depth Leader: Top 23.5% in tier
  • + Net Interest Margin 0.46% above tier average
  • + Strong member growth: 24.7% YoY
  • + Asset Growth Rate: Top 1.0% in tier
  • + Deposit Growth Rate: Top 1.1% in tier
  • + Loan Growth Rate: Top 1.6% in tier
  • + Member Growth Rate: Top 1.9% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 0.3% in tier
  • - Credit Quality Pressure: Bottom 2.3% in tier
  • - Efficiency Drag: Bottom 21.3% in tier
  • - ROA 1.78% below tier average
  • - Efficiency ratio 23.35% above tier (higher cost structure)
  • - Delinquency rate 0.76% above tier average
  • - Total Assets: Bottom 3.5% in tier
  • - Total Deposits: Bottom 5.8% in tier
  • - Net Charge-Off Rate: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 8,828
+24.7% YoY-1.6% QoQ
 -6.8K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 Bottom 21.6% in tier
Assets $105.5M
+33.8% YoY-2.9% QoQ
 $-125.8M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 Bottom 3.4% in tier
Loans $80.9M
+35.1% YoY+0.6% QoQ
 $-66.9M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 Bottom 22.7% in tier
Deposits $94.1M
+33.1% YoY-2.8% QoQ
 $-106.2M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 Bottom 5.8% in tier
ROA -1.0%
-400.9% YoY-45.6% QoQ
 -1.8% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 Bottom 0.9% in tier
NIM 4.0%
+12.8% YoY-7.1% QoQ
 +0.5% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 23.9% in tier
Efficiency Ratio 100.6%
+16.0% YoY-7.1% QoQ
 +23.3% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 Top 2.1% in tier
Delinquency Rate 1.6%
+124.6% YoY+68.4% QoQ
 +0.8 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 Top 12.3% in tier
Loan To Share 85.9%
+1.5% YoY+3.6% QoQ
 +13.2% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 Top 23.4% in tier
AMR $19,823
+7.4% YoY+0.3% QoQ
 $-5K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 34th in tier
CD Concentration 30.1%
+9.0% YoY+3.9% QoQ
 +5.7% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 12.5%
-32.0% YoY+1.9% QoQ
 -1.5% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#12 of 430 • Top 0.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 24.74%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth
#241 of 1006 • Top 8.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.43%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#648 of 1006 • Top 23.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.43%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Growth-at-Risk

risk
#5 of 446 • Bottom 0.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 35.06%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.90% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#58 of 736 • Bottom 2.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.90% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk
#377 of 521 • Bottom 21.3% in tier

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

Why This Signature
Efficiency Ratio: 100.63%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -1.32% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 24.74%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

12
Asset Growth Rate
growth
Value: 33.84%
Peer Avg: 4.70%
#12 of 1077 Top 1.0% in 100M-500M tier
13
Deposit Growth Rate
growth
Value: 33.11%
Peer Avg: 4.69%
#13 of 1077 Top 1.1% in 100M-500M tier
18
Loan Growth Rate
growth
Value: 35.06%
Peer Avg: 3.45%
#18 of 1077 Top 1.6% in 100M-500M tier
21
Member Growth Rate
growth
Value: 24.74%
Peer Avg: 0.72%
#21 of 1077 Top 1.9% in 100M-500M tier
186
AMR Growth Rate
growth
Value: 7.43%
Peer Avg: 3.64%
#186 of 1077 Top 17.2% in 100M-500M tier
252
Loan-to-Share Ratio
balance_sheet
Value: 85.92%
Peer Avg: 72.70%
#252 of 1077 Top 23.3% in 100M-500M tier
257
Net Interest Margin (NIM)
profitability
Value: 4.05%
Peer Avg: 3.58%
#257 of 1077 Top 23.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1067
Return on Assets (ROA)
profitability
Value: -0.99%
Peer Avg: 0.79%
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1055
Efficiency Ratio
profitability
Value: 100.63%
Peer Avg: 77.28%
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1040
Total Assets
balance_sheet
Value: $105.52M
Peer Avg: $231.30M
#1040 of 1077 Bottom 3.5% in 100M-500M tier
1015
Total Deposits
balance_sheet
Value: $94.12M
Peer Avg: $200.29M
#1015 of 1077 Bottom 5.8% in 100M-500M tier
983
Net Charge-Off Rate
risk
Value: 1.06%
Peer Avg: 0.47%
#983 of 1077 Bottom 8.8% in 100M-500M tier
945
Total Delinquency Rate (60+ days)
risk
Value: 1.61%
Peer Avg: 0.86%
#945 of 1077 Bottom 12.3% in 100M-500M tier
844
Total Members
engagement
Value: 8,828
Peer Avg: 15,628
#844 of 1077 Bottom 21.7% in 100M-500M tier
833
Total Loans
balance_sheet
Value: $80.87M
Peer Avg: $147.80M
#833 of 1077 Bottom 22.7% in 100M-500M tier