BlastPoint's Credit Union Scorecard
COBALT
Charter #24917 · NE
COBALT has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does NE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 27.2% in tier
- + ROA 0.06% above tier average
- + Net Interest Margin 1.35% above tier average
- + Members Per Employee (MPE): Top 4.7% in tier
- + First Mortgage Concentration (%): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.0% in tier
- - Membership Headwinds: Bottom 80.9% in tier
- - Stagnation Risk: Bottom 80.9% in tier
- - Average Member Relationship (AMR): Bottom 5.0% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 2 that size in Nebraska.
- Shares and deposits +0.5% year over year ($1.15B in shares and deposits).
- Membership: 115,139 members, -1.3% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.87%.
- Efficiency ratio 69.50% vs a 73.02% peer average.
- Loan-to-share ratio 94.65% vs a 84.71% 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 |
115,139
-1.3% YoY-1.6% QoQ
|
+18.3K |
96,861
-1.9% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
70% |
| Assets |
$1.3B
+0.8% YoY-0.1% QoQ
|
$-393.5M |
$1.7B
+0.4% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$1.1B
+9.1% YoY-1.2% QoQ
|
$-147.6M |
$1.2B
+0.7% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$1.1B
+0.5% YoY-0.3% QoQ
|
$-315.3M |
$1.5B
+0.5% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.9%
+3.6% YoY+18.8% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
4.8%
+32.7% YoY-0.6% QoQ
|
+1.3% |
3.4%
+6.6% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
69.5%
+4.7% YoY-3.0% QoQ
|
-3.5% |
73.0%
-2.7% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
0.8%
-7.6% YoY+16.8% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
94.7%
+8.5% YoY-0.9% QoQ
|
+9.9% |
84.7%
+0.1% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$19,408
+5.9% YoY+0.9% QoQ
|
$-10K |
$29,575
+1.5% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.7% in tier |
| CD Concentration |
20.6%
-1.8% YoY+6.7% QoQ
|
-8.5% | 29.1% | 22.2% | 20.0% | Bottom 14.4% in tier |
| Indirect Auto % |
11.2%
-73.0% YoY-66.7% QoQ
|
-6.9% | 18.1% | 5.2% | 7.7% | 39% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)