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 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 15.44% above tier (higher cost structure)
- - Delinquency rate 2.76% above tier average
- - Share Certificate Concentration (%): Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
617
+3.2% YoY+0.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$3.5M
-4.0% YoY-2.7% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.4% in tier |
| Loans |
$2.8M
+8.7% YoY-1.2% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
23% |
| Deposits |
$3.2M
-4.1% YoY-2.5% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-0.2%
+254.0% YoY-189.9% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.1% in tier |
| NIM |
4.4%
+15.4% YoY+9.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
98.0%
+4.0% YoY+10.0% QoQ
|
+15.4% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Top 13.5% in tier |
| Delinquency Rate |
4.3%
+2.6% YoY+97.1% QoQ
|
+2.8 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Top 7.7% in tier |
| Loan To Share |
88.2%
+13.3% YoY+1.3% QoQ
|
+27.6% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 12.0% in tier |
| AMR |
$9,621
-1.6% YoY-2.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
60.1%
-2.4% YoY+4.2% QoQ
|
+35.7% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 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)