BlastPoint's Credit Union Scorecard

FOUR POINTS

Charter #24753 · NE

100M-500M

1070 CUs in 100M-500M nationally 12 in NE

FOUR POINTS has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Strong member growth: 18.5% YoY
+ Member Growth Rate: Top 2.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 1.24% below tier average
- Efficiency ratio 41.66% above tier (higher cost structure)
- Delinquency rate 1.48% above tier average
- Net Worth Ratio: Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	9,231 +18.5% YoY-4.9% QoQ	-5.9K	15,145 -2.5% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	26%
Assets	$184.2M -2.6% YoY-2.0% QoQ	$-47.5M	$231.7M +0.8% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	45%
Loans	$113.2M -11.5% YoY-4.2% QoQ	$-31.0M	$144.1M +0.2% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	45%
Deposits	$145.3M -1.3% YoY+0.5% QoQ	$-55.8M	$201.1M +0.4% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	38%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.5% -29.8% YoY+19.6% QoQ	-1.2%	0.7% +5.1% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	Bottom 3.0% in tier
NIM	2.3% +4.3% YoY-6.3% QoQ	-1.4%	3.6% +4.6% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	Bottom 2.2% in tier
Efficiency Ratio	119.7% +5.9% YoY+28.6% QoQ	+41.7%	78.0% -1.7% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	Bottom 0.7% in tier
Delinquency Rate	2.3% +94.5% YoY+81.5% QoQ	+1.5	0.8% +7.1% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	Bottom 4.5% in tier
Loan To Share	77.9% -10.4% YoY-4.7% QoQ	+7.5%	70.4% -0.4% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	62%
AMR	$27,998 -20.7% YoY+3.4% QoQ	+$3K	$24,918 +2.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	74%
CD Concentration	44.2% -3.6% YoY-6.0% QoQ	+19.9%	24.3%	22.1%	19.8%	50%
Indirect Auto %	6.9% -34.1% YoY-10.6% QoQ	-6.9%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#13 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 18.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 6.85%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#6 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -20.70%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#21 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.09% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#211 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 119.68%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.22% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 18.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Deposit Outflow

decline

#61 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.29%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 18.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

Member Growth Rate

growth

Value: 18.47%

Peer Median: -0.06%

#25 of 1070 Top 2.2% in 100M-500M tier

242

Loan-to-Member Ratio (LMR)

engagement

Value: $12,258

Peer Median: $9,356

#242 of 1070 Top 22.5% in 100M-500M tier

Top Weaknesses (13 metrics)

1064

Efficiency Ratio

profitability

Value: 119.68%

Peer Median: 78.68%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1064

Net Worth Ratio

risk

Value: 7.14%

Peer Median: 11.45%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1063

AMR Growth Rate

growth

Value: -20.70%

Peer Median: 3.46%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1063

Net Charge-Off Rate

risk

Value: 2.94%

Peer Median: 0.35%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1056

Loan Growth Rate

growth

Value: -11.53%

Peer Median: 2.93%

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1046

Net Interest Margin (NIM)

profitability

Value: 2.26%

Peer Median: 3.62%

#1046 of 1070 Bottom 2.3% in 100M-500M tier

1038

Return on Assets (ROA)

profitability

Value: -0.52%

Peer Median: 0.69%

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1029

Share Certificate Concentration (%)

balance_sheet

Value: 44.19%

Peer Median: 23.10%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1023

Total Delinquency Rate (60+ days)

risk

Value: 2.25%

Peer Median: 0.61%

#1023 of 1070 Bottom 4.5% in 100M-500M tier

992

Asset Growth Rate

growth

Value: -2.63%

Peer Median: 3.91%

#992 of 1070 Bottom 7.4% in 100M-500M tier