BlastPoint's Credit Union Scorecard

ONENEBRASKA

Charter #24402 · NE

100M-500M

1024 CUs in 100M-500M nationally 12 in NE

ONENEBRASKA 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
+ Net Interest Margin 0.42% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.43% below tier average
- Efficiency ratio 2.09% above tier (higher cost structure)
- Delinquency rate 0.16% above tier average

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 -2.2% year over year ($94.7M in shares and deposits).
Membership: 8,379 members, -6.6% vs a year ago.
Delinquency rate 1.04%.
Return on assets 0.44%.
Efficiency ratio 78.82% vs a 76.73% peer average.
Loan-to-share ratio 91.80% 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	8,379 -6.6% YoY-0.9% QoQ	-6.8K	15,168 -2.6% YoY	11,070 -2.8% YoY	34,678 +6.6% YoY	21%
Assets	$106.5M -2.0% YoY-2.6% QoQ	$-125.5M	$232.0M +0.7% YoY	$139.7M +2.9% YoY	$593.1M +10.2% YoY	Bottom 4.0% in tier
Loans	$87.0M +8.2% YoY+14.8% QoQ	$-59.3M	$146.3M +0.2% YoY	$101.1M +5.0% YoY	$418.6M +10.1% YoY	27%
Deposits	$94.7M -2.2% YoY-3.0% QoQ	$-106.0M	$200.7M +0.2% YoY	$119.4M +3.3% YoY	$504.8M +10.3% YoY	Bottom 7.1% in tier

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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	0.4% -124.1% YoY-30.4% QoQ	-0.4%	0.9% +12.5% YoY	1.1% +69.2% YoY	1.2% +121.4% YoY	23%
NIM	4.1% -5.8% YoY+2.7% QoQ	+0.4%	3.7% +4.5% YoY	4.1% +6.3% YoY	3.8% +2.3% YoY	76%
Efficiency Ratio	78.8% -27.3% YoY+1.8% QoQ	+2.1%	76.7% -0.8% YoY	79.7% -2.7% YoY	83.0% -5.3% YoY	54%
Delinquency Rate	1.0% +8.5% YoY-26.5% QoQ	+0.2	0.9% +6.6% YoY	1.2% +28.5% YoY	1.3% +2.6% YoY	70%
Loan To Share	91.8% +10.7% YoY+18.4% QoQ	+20.3%	71.5% -0.3% YoY	69.5% +0.0% YoY	66.4% -1.4% YoY	Top 11.5% in tier
AMR	$21,688 +9.8% YoY+5.7% QoQ	$-3K	$25,107 +3.2% YoY	$17,408 +1.9% YoY	$20,028 -0.9% YoY	42%
CD Concentration	32.7% +12.9% YoY+8.6% QoQ	+8.2%	24.6%	22.2%	20.0%	50%
Indirect Auto %	14.6% +18.8% YoY+2.3% QoQ	+1.0%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#130 of 483 • 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): 9.78%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Concerns (5)

Membership Headwinds

decline

#84 of 549 • 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): -6.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#220 of 549 • 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): -6.61%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 8.23%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 1.04%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Risk Growth

risk

#267 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.23%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Liquidity Strain

risk

#159 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.80%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 8.23%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Credit Quality Pressure

risk

#522 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (4 metrics)

105

AMR Growth Rate

growth

Value: 9.78%

Peer Median: 3.53%

#105 of 1024 Top 10.2% in 100M-500M tier

118

Loan-to-Share Ratio

balance_sheet

Value: 91.80%

Peer Median: 73.07%

#118 of 1024 Top 11.4% in 100M-500M tier

235

Loan Growth Rate

growth

Value: 8.23%

Peer Median: 3.02%

#235 of 1024 Top 22.9% in 100M-500M tier

251

Net Interest Margin (NIM)

profitability

Value: 4.10%

Peer Median: 3.67%

#251 of 1024 Top 24.4% in 100M-500M tier

Top Weaknesses (10 metrics)

983

Total Assets

balance_sheet

Value: $106.52M

Peer Median: $196.38M

#983 of 1024 Bottom 4.1% in 100M-500M tier

959

Member Growth Rate

growth

Value: -6.61%

Peer Median: -0.03%

#959 of 1024 Bottom 6.4% in 100M-500M tier

951

Total Deposits

balance_sheet

Value: $94.75M

Peer Median: $170.77M

#951 of 1024 Bottom 7.2% in 100M-500M tier

939

Asset Growth Rate

growth

Value: -1.98%

Peer Median: 4.12%

#939 of 1024 Bottom 8.4% in 100M-500M tier

926

Deposit Growth Rate

growth

Value: -2.20%

Peer Median: 3.58%

#926 of 1024 Bottom 9.7% in 100M-500M tier

900

Net Charge-Off Rate

risk

Value: 0.88%

Peer Median: 0.34%

#900 of 1024 Bottom 12.2% in 100M-500M tier

866

Members Per Employee (MPE)

engagement

Value: 239.400

Peer Median: 310.924

#866 of 1024 Bottom 15.5% in 100M-500M tier

810

Total Members

engagement

Value: 8,379

Peer Median: 13,128

#810 of 1024 Bottom 21.0% in 100M-500M tier

803

Share Certificate Concentration (%)

balance_sheet

Value: 32.72%

Peer Median: 23.39%

#803 of 1024 Bottom 21.7% in 100M-500M tier

787

Return on Assets (ROA)

profitability

Value: 0.44%

Peer Median: 0.75%

#787 of 1024 Bottom 23.2% in 100M-500M tier