BlastPoint's Credit Union Scorecard
MUTUAL FIRST
Charter #24540 · NE
MUTUAL FIRST has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 6.7% 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 0.77% below tier average
- - Efficiency ratio 11.81% above tier (higher cost structure)
- - Delinquency rate 1.29% above tier average
- - Member decline: -7.1% YoY
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 +4.6% year over year ($113M in shares and deposits).
- Membership: 10,257 members, -7.1% vs a year ago.
- Delinquency rate 2.17%.
- Return on assets 0.09%.
- Efficiency ratio 88.55% vs a 76.73% peer average.
- Loan-to-share ratio 83.48% 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 |
10,257
-7.1% YoY+1.6% QoQ
|
-4.9K |
15,168
-2.6% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$124.8M
+4.2% YoY-1.1% QoQ
|
$-107.2M |
$232.0M
+0.7% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$94.3M
+3.2% YoY+7.8% QoQ
|
$-51.9M |
$146.3M
+0.2% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$113.0M
+4.6% YoY-1.0% QoQ
|
$-87.7M |
$200.7M
+0.2% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.1%
-11.0% YoY
|
-0.8% |
0.9%
+12.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.3% in tier |
| NIM |
3.7%
-5.5% YoY+2.3% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
88.5%
+2.2% YoY-1.8% QoQ
|
+11.8% |
76.7%
-0.8% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
2.2%
-3.2% YoY-21.1% QoQ
|
+1.3 |
0.9%
+6.6% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.6% in tier |
| Loan To Share |
83.5%
-1.4% YoY+8.9% QoQ
|
+11.9% |
71.5%
-0.3% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$20,217
+11.9% YoY+1.2% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
19.0%
+9.3% YoY+5.1% QoQ
|
-5.5% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
42.3%
+12.2% YoY+16.1% QoQ
|
+28.7% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)