BlastPoint's Credit Union Scorecard
FOUR POINTS
Charter #24753 · NE
FOUR POINTS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 5.82% above tier average
- + Strong member growth: 14.9% YoY
- + Member Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Efficiency ratio 37.94% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Nebraska.
- Shares and deposits -9.6% year over year ($132M in shares and deposits).
- Membership: 8,757 members, +14.9% vs a year ago.
- Delinquency rate 1.24%.
- Return on assets 6.69%.
- Efficiency ratio 114.67% vs a 76.73% peer average.
- Loan-to-share ratio 77.62% 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 |
8,757
+14.9% YoY-5.1% QoQ
|
-6.4K |
15,168
-2.6% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$165.5M
-14.1% YoY-10.2% QoQ
|
$-66.5M |
$232.0M
+0.7% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$102.6M
-21.1% YoY-9.3% QoQ
|
$-43.7M |
$146.3M
+0.2% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$132.2M
-9.6% YoY-9.0% QoQ
|
$-68.5M |
$200.7M
+0.2% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
31% |
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| ROA |
6.7%
-6003.4% YoY-1395.3% QoQ
|
+5.8% |
0.9%
+12.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
Top 0.1% in tier |
| NIM |
2.6%
+7.8% YoY+16.3% QoQ
|
-1.1% |
3.7%
+4.5% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
114.7%
+35.3% YoY-4.2% QoQ
|
+37.9% |
76.7%
-0.8% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate |
1.2%
-36.8% YoY-45.0% QoQ
|
+0.4 |
0.9%
+6.6% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
79% |
| Loan To Share |
77.6%
-12.8% YoY-0.3% QoQ
|
+6.1% |
71.5%
-0.3% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$26,807
-26.0% YoY-4.3% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
46.9%
+0.2% YoY+6.2% QoQ
|
+22.4% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
6.5%
-29.5% YoY-5.7% QoQ
|
-7.2% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)