BlastPoint's Credit Union Scorecard
COBALT
Charter #24917 · NE
COBALT has 4 strengths but faces 11 concerns
How does the industry compare?
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How does NE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Net Interest Margin 0.49% above tier average
- + Members Per Employee (MPE): Top 9.2% in tier
- + First Mortgage Concentration (%): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 9.2% in tier
- - Stagnation Risk: Bottom 12.5% in tier
- - Indirect Auto Dependency: Bottom 14.0% in tier
- - Institutional Decline: Bottom 23.5% in tier
- - Liquidity Strain: Bottom 33.2% in tier
- - Delinquency rate 0.02% above tier average
- - Member decline: -4.5% YoY
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Deposit Growth Rate: Bottom 5.9% in tier
- - Member Growth Rate: Bottom 7.9% in tier
- - Net Worth Ratio: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
115,753
-4.5% YoY-0.7% QoQ
|
+17.1K |
98,678
-1.9% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$1.3B
-1.9% YoY-0.7% QoQ
|
$-408.9M |
$1.7B
+0.5% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$1.0B
-0.7% YoY+4.1% QoQ
|
$-196.7M |
$1.2B
+0.5% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$1.1B
-2.8% YoY-1.0% QoQ
|
$-323.7M |
$1.5B
+1.3% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
0.7%
-428.8% YoY-13.5% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
3.7%
+39.5% YoY+4.2% QoQ
|
+0.5% |
3.3%
+9.3% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
68.8%
-20.7% YoY+3.6% QoQ
|
-5.2% |
74.0%
-10.9% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.9%
-10.9% YoY-1.8% QoQ
|
+0.0 |
0.8%
+6.1% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
91.7%
+2.2% YoY+5.1% QoQ
|
+6.5% |
85.2%
-0.8% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$18,721
+2.8% YoY+2.1% QoQ
|
$-10K |
$29,172
+2.8% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.3% in tier |
| CD Concentration |
19.9%
-20.7% YoY-5.1% QoQ
|
-9.0% |
29.0%
+0.7% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Bottom 13.4% in tier |
| Indirect Auto % |
38.5%
-16.3% YoY-7.2% QoQ
|
+19.7% |
18.8%
-3.0% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
Top 13.2% in tier |
Signature Analysis
Strengths (0)
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)