BlastPoint's Credit Union Scorecard
NEBRASKA RURAL COMMUNITY
Charter #24695 · NE
NEBRASKA RURAL COMMUNITY has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.42% above tier average
- + Members Per Employee (MPE): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.49% below tier average
- - Efficiency ratio 4.88% above tier (higher cost structure)
- - Delinquency rate 2.73% above tier average
- - Share Certificate Concentration (%): Bottom 0.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Nebraska.
- Shares and deposits -3.7% year over year ($3.3M in shares and deposits).
- Membership: 615 members, +1.2% vs a year ago.
- Delinquency rate 4.28%.
- Return on assets 0.00%.
- Efficiency ratio 93.65% vs a 88.77% peer average.
- Loan-to-share ratio 87.05% vs a 58.89% 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 |
615
+1.2% YoY-0.3% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$3.7M
-3.8% YoY+0.6% QoQ
|
$-26.6M |
$30.3M
+1.5% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.4% in tier |
| Loans |
$2.9M
+7.3% YoY+0.1% QoQ
|
$-12.6M |
$15.5M
-1.7% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$3.3M
-3.7% YoY+0.6% QoQ
|
$-22.5M |
$25.8M
+1.1% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
16% |
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| ROA |
0.0%
-99.6% YoY-100.5% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM |
4.3%
+15.3% YoY-6.7% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
93.6%
+7.3% YoY-5.6% QoQ
|
+4.9% |
88.8%
-6.9% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
4.3%
+170.9% YoY+268.5% QoQ
|
+2.7 |
1.5%
+2.1% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.0% in tier |
| Loan To Share |
87.0%
+11.4% YoY-0.5% QoQ
|
+28.2% |
58.9%
-3.1% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 11.9% in tier |
| AMR |
$10,022
-0.0% YoY+0.7% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
64.2%
+5.3% YoY+3.0% QoQ
|
+39.7% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)