BlastPoint's Credit Union Scorecard

COBALT

Charter #24917 · NE

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 2 in NE

View Mid-Market leaderboard →

COBALT has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.45% above tier average
+ Members Per Employee (MPE): Top 5.2% in tier
+ First Mortgage Concentration (%): Top 9.2% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 7.1% in tier
- Liquidity Strain: Bottom 20.9% in tier
- Indirect Auto Dependency: Bottom 89.2% in tier
- Deposit Outflow: Bottom 91.1% in tier
- Average Member Relationship (AMR): Bottom 4.6% in tier
- Deposit Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	117,031 +0.9% YoY+0.8% QoQ	+21.0K	96,048 -2.7% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	72%
Assets	$1.3B -0.5% YoY+0.6% QoQ	$-388.4M	$1.7B +0.4% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	33%
Loans	$1.1B +11.4% YoY+3.5% QoQ	$-113.8M	$1.2B +0.2% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	49%
Deposits	$1.2B -1.0% YoY+0.6% QoQ	$-313.8M	$1.5B +0.5% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	35%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -43.0% YoY+23.5% QoQ	+0.0%	0.7% +27.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	56%
NIM	4.8% +34.9% YoY+23.6% QoQ	+1.4%	3.4% +6.2% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	Top 2.3% in tier
Efficiency Ratio	71.6% +9.5% YoY+1.7% QoQ	-3.0%	74.6% -3.0% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.7% -13.9% YoY-18.1% QoQ	-0.1	0.8% +6.9% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	56%
Loan To Share	95.5% +12.5% YoY+2.9% QoQ	+12.3%	83.2% -0.4% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	82%
AMR	$19,240 +3.7% YoY+1.2% QoQ	$-10K	$29,652 +2.3% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	Bottom 4.2% in tier
CD Concentration	19.3% -12.0% YoY+1.0% QoQ	-9.5%	28.8%	22.1%	19.8%	Bottom 12.0% in tier
Indirect Auto %	33.6% -23.5% YoY-6.3% QoQ	+15.5%	18.1%	5.5%	7.7%	82%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Liquidity Strain

risk

#55 of 148 • Bottom 20.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.51%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 11.36%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#131 of 198 • Bottom 89.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.53%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 33.61%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.94%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Cost Spiral

risk

#9 of 11 • Bottom 7.1% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.19% points

(Tier: -2.46% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 48.72%

(Tier: 53.09%, National: 64.04%)

but better than tier avg

11 of 384 Mid-Market CUs have this signature | 96 nationally

↓ Shrinking -10 CUs YoY | New qualifier

Deposit Outflow

decline

#22 of 23 • Bottom 91.1% 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): -1.02%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 0.94%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 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 306 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.80%

Peer Median: 3.37%

#7 of 306 Top 2.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 504.444

Peer Median: 345.077

#17 of 306 Top 5.2% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 15.51%

Peer Median: 33.05%

#29 of 306 Top 9.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.32%

Peer Median: 27.93%

#39 of 306 Top 12.4% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.36%

Peer Median: 5.67%

#55 of 306 Top 17.6% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.51%

Peer Median: 85.31%

#56 of 306 Top 18.0% in 1B-3B tier

Top Weaknesses (8 metrics)

293

Average Member Relationship (AMR)

engagement

Value: $19,240

Peer Median: $28,178

#293 of 306 Bottom 4.6% in 1B-3B tier

279

Deposit Growth Rate

growth

Value: -1.02%

Peer Median: 4.44%

#279 of 306 Bottom 9.2% in 1B-3B tier

271

Asset Growth Rate

growth

Value: -0.53%

Peer Median: 4.82%

#271 of 306 Bottom 11.8% in 1B-3B tier

271

Net Worth Ratio

risk

Value: 8.95%

Peer Median: 10.85%

#271 of 306 Bottom 11.8% in 1B-3B tier

267

Loan-to-Member Ratio (LMR)

engagement

Value: $9,399

Peer Median: $12,733

#267 of 306 Bottom 13.1% in 1B-3B tier

265

Net Charge-Off Rate

risk

Value: 1.01%

Peer Median: 0.51%

#265 of 306 Bottom 13.7% in 1B-3B tier

253

Indirect Auto Concentration (%)

balance_sheet

Value: 33.61%

Peer Median: 13.86%

#253 of 306 Bottom 17.6% in 1B-3B tier

241

Fee Income Per Member

profitability

Value: $148.43

Peer Median: $191.54

#241 of 306 Bottom 21.6% in 1B-3B tier