BlastPoint's Credit Union Scorecard
NEBRASKA RURAL COMMUNITY
Charter #24695 · NE
NEBRASKA RURAL COMMUNITY has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.3% in tier
- + Loan Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 7.68% above tier (higher cost structure)
- - Delinquency rate 0.68% above tier average
- - Share Certificate Concentration (%): Bottom 1.7% in tier
- - Net Charge-Off Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
614
+4.6% YoY+1.0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$3.6M
+3.7% YoY-4.9% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.9% in tier |
| Loans |
$2.8M
+11.4% YoY+5.4% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$3.2M
+3.9% YoY-5.5% QoQ
|
$-22.2M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
0.2%
-390.2% YoY-26.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
4.0%
-0.2% YoY+6.5% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
89.1%
-5.9% YoY+2.0% QoQ
|
+7.7% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
2.2%
-64.6% YoY+38.5% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
87.1%
+7.2% YoY+11.5% QoQ
|
+25.8% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 14.2% in tier |
| AMR |
$9,853
+2.6% YoY-1.7% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
57.7%
-9.8% YoY-5.4% QoQ
|
+33.3% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)