NEBRASKA RURAL COMMUNITY

Charter #24695 | NE

<100M (2596 CUs) Micro
34 <100M in 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
 Bottom 16.9% in tier
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
 Bottom 22.9% in tier
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
 Bottom 16.9% in tier
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
 26th in tier
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
 54th in tier
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
 Top 25.0% in tier
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
 Top 18.0% in tier
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
 28th in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
191
Member Growth Rate
growth
Value: 4.60%
Peer Avg: 14.92%
#191 of 2596 Top 7.3% in <100M tier
229
Loan Growth Rate
growth
Value: 11.39%
Peer Avg: 59.01%
#229 of 2596 Top 8.8% in <100M tier
365
Loan-to-Share Ratio
balance_sheet
Value: 87.07%
Peer Avg: 61.23%
#365 of 2596 Top 14.0% in <100M tier

Top Weaknesses (10 metrics)

2553
Share Certificate Concentration (%)
balance_sheet
Value: 57.70%
Peer Avg: 15.37%
#2553 of 2596 Bottom 1.7% in <100M tier
2416
Net Charge-Off Rate
risk
Value: 1.76%
Peer Avg: 0.57%
#2416 of 2596 Bottom 7.0% in <100M tier
2208
Total Assets
balance_sheet
Value: $3.62M
Peer Avg: $29.86M
#2208 of 2596 Bottom 15.0% in <100M tier
2158
Total Deposits
balance_sheet
Value: $3.23M
Peer Avg: $25.45M
#2158 of 2596 Bottom 16.9% in <100M tier
2157
Total Members
engagement
Value: 614
Peer Avg: 2,626
#2157 of 2596 Bottom 16.9% in <100M tier
2129
Total Delinquency Rate (60+ days)
risk
Value: 2.19%
Peer Avg: 1.51%
#2129 of 2596 Bottom 18.0% in <100M tier
2075
First Mortgage Concentration (%)
balance_sheet
Value: 30.21%
Peer Avg: 14.49%
#2075 of 2596 Bottom 20.1% in <100M tier
2019
Net Worth Ratio
risk
Value: 10.66%
Peer Avg: 16.43%
#2019 of 2596 Bottom 22.3% in <100M tier
2002
Total Loans
balance_sheet
Value: $2.82M
Peer Avg: $15.77M
#2002 of 2596 Bottom 22.9% in <100M tier
1948
Efficiency Ratio
profitability
Value: 89.07%
Peer Avg: 81.39%
#1948 of 2596 Bottom 25.0% in <100M tier