BlastPoint's Credit Union Scorecard
ONENEBRASKA
Charter #24402 · NE
ONENEBRASKA has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.37% above tier average
- + Strong member growth: 21.8% YoY
- + Loan Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.10% below tier average
- - Delinquency rate 0.64% above tier average
- - Total Assets: Bottom 6.7% in tier
- - Total Deposits: Bottom 9.4% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,457
+21.8% YoY-1.9% QoQ
|
-6.7K |
15,145
-2.5% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$109.4M
+27.0% YoY+1.6% QoQ
|
$-122.3M |
$231.7M
+0.8% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.6% in tier |
| Loans |
$75.8M
+32.4% YoY-4.3% QoQ
|
$-68.4M |
$144.1M
+0.2% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$97.7M
+25.7% YoY+1.6% QoQ
|
$-103.4M |
$201.1M
+0.4% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-1.6% YoY-196.2% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
45% |
| NIM |
4.0%
+4.1% YoY-3.8% QoQ
|
+0.4% |
3.6%
+4.6% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
77.4%
-4.5% YoY-19.9% QoQ
|
-0.6% |
78.0%
-1.7% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
1.4%
+34.8% YoY-4.6% QoQ
|
+0.6 |
0.8%
+7.1% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
77.5%
+5.3% YoY-5.8% QoQ
|
+7.1% |
70.4%
-0.4% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$20,509
+5.5% YoY+0.8% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
30.1%
-4.1% YoY+3.2% QoQ
|
+5.9% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % |
14.3%
-22.5% YoY+10.2% QoQ
|
+0.5% | 13.8% | 5.5% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)