FOUR POINTS

Charter #24753 | NE

100M-500M (1077 CUs) Micro
12 100M-500M in NE

FOUR POINTS has 3 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.3% in tier
  • + Strong member growth: 31.6% YoY
  • + Member Growth Rate: Top 1.2% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.3% in tier
  • - Deposit Outflow: Bottom 10.7% in tier
  • - Efficiency Drag: Bottom 20.5% in tier
  • - ROA 1.01% below tier average
  • - Efficiency ratio 13.69% above tier (higher cost structure)
  • - Delinquency rate 0.15% above tier average
  • - AMR Growth Rate: Bottom 0.6% in tier
  • - Share Certificate Concentration (%): Bottom 2.6% in tier
  • - Net Interest Margin (NIM): Bottom 4.8% in tier
  • - Deposit Growth Rate: Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 10,421
+31.6% YoY+36.7% QoQ
 -5.2K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 32nd in tier
Assets $187.8M
-0.9% YoY-2.4% QoQ
 $-43.5M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 47th in tier
Loans $123.1M
+1.1% YoY-5.3% QoQ
 $-24.7M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $142.7M
-2.3% YoY-2.3% QoQ
 $-57.5M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 37th in tier
ROA -0.2%
-59.3% YoY+93.6% QoQ
 -1.0% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 Bottom 3.9% in tier
NIM 2.4%
+47.5% YoY-3.3% QoQ
 -1.2% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Bottom 4.7% in tier
Efficiency Ratio 91.0%
-23.3% YoY+7.3% QoQ
 +13.7% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 Top 9.2% in tier
Delinquency Rate 1.0%
-34.9% YoY-48.6% QoQ
 +0.2 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 86.3%
+3.5% YoY-3.1% QoQ
 +13.6% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 Top 22.5% in tier
AMR $25,513
-24.5% YoY-29.6% QoQ
 +$1K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 67th in tier
CD Concentration 47.7%
+7.5% YoY+1.9% QoQ
 +23.3% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 8.5%
-27.3% YoY-7.1% QoQ
 -5.4% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#5 of 430 • Top 0.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 31.58%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#4 of 244 • Bottom 0.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -24.54%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline
#64 of 114 • Bottom 10.7% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.25%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $187.82M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Efficiency Drag

risk
#363 of 521 • Bottom 20.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 90.96%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.32% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 31.58%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (3 metrics)

14
Member Growth Rate
growth
Value: 31.58%
Peer Avg: 0.72%
#14 of 1077 Top 1.2% in 100M-500M tier
115
Members Per Employee (MPE)
engagement
Value: 453.087
Peer Avg: 332.881
#115 of 1077 Top 10.6% in 100M-500M tier
242
Loan-to-Share Ratio
balance_sheet
Value: 86.25%
Peer Avg: 72.70%
#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1071
AMR Growth Rate
growth
Value: -24.54%
Peer Avg: 3.64%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1050
Share Certificate Concentration (%)
balance_sheet
Value: 47.74%
Peer Avg: 23.61%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
1035
Return on Assets (ROA)
profitability
Value: -0.22%
Peer Avg: 0.79%
#1035 of 1077 Bottom 4.0% in 100M-500M tier
1026
Net Interest Margin (NIM)
profitability
Value: 2.36%
Peer Avg: 3.58%
#1026 of 1077 Bottom 4.8% in 100M-500M tier
984
Deposit Growth Rate
growth
Value: -2.25%
Peer Avg: 4.69%
#984 of 1077 Bottom 8.7% in 100M-500M tier
979
Efficiency Ratio
profitability
Value: 90.96%
Peer Avg: 77.28%
#979 of 1077 Bottom 9.2% in 100M-500M tier
927
Asset Growth Rate
growth
Value: -0.93%
Peer Avg: 4.70%
#927 of 1077 Bottom 14.0% in 100M-500M tier
886
Net Worth Ratio
risk
Value: 9.30%
Peer Avg: 12.15%
#886 of 1077 Bottom 17.8% in 100M-500M tier