BlastPoint's Credit Union Scorecard
FOUR POINTS
Charter #24753 · NE
FOUR POINTS has 3 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 2.8% in tier
- + Strong member growth: 23.0% YoY
- + Member Growth Rate: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 1.0% in tier
- - Efficiency Drag: Bottom 63.5% in tier
- - Deposit Outflow: Bottom 92.7% in tier
- - ROA 1.19% below tier average
- - Efficiency ratio 16.04% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - AMR Growth Rate: Bottom 0.4% in tier
- - Loan Growth Rate: Bottom 2.0% in tier
- - Share Certificate Concentration (%): Bottom 2.7% in tier
- - Net Interest Margin (NIM): Bottom 5.1% in tier
- - Asset Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,706
+23.0% YoY-6.9% QoQ
|
-5.7K |
15,437
-2.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$188.0M
-2.1% YoY+0.1% QoQ
|
$-43.8M |
$231.9M
+1.3% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$118.1M
-11.0% YoY-4.1% QoQ
|
$-29.2M |
$147.3M
-0.1% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$144.6M
-0.6% YoY+1.3% QoQ
|
$-56.2M |
$200.8M
+0.8% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
-0.4%
-46.1% YoY+96.8% QoQ
|
-1.2% |
0.8%
+18.2% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.8% in tier |
| NIM |
2.4%
+42.7% YoY+2.3% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
93.1%
-27.0% YoY+2.3% QoQ
|
+16.0% |
77.0%
-3.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Top 5.7% in tier |
| Delinquency Rate |
1.2%
-3.0% YoY+23.0% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
81.7%
-10.5% YoY-5.3% QoQ
|
+9.5% |
72.2%
-1.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$27,068
-23.2% YoY+6.1% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
47.0%
+8.1% YoY-1.5% QoQ
|
+22.6% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
7.7%
-30.0% YoY-10.0% QoQ
|
-6.1% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)