BlastPoint's Credit Union Scorecard
COBALT
Charter #24917 · NE
Cobalt at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
Cobalt is one of 101 credit unions in the 2026 VentureTech card set. We also found Cobalt's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
Tap a card to see it up close
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COBALT
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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COBALT'S BIGGEST OPPORTUNITY
NCUA call report, June 30, 2026.
Cobalt is headed to VentureTech in Fort Worth! Check out our trading card.
COBALT has 4 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
- + 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
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
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)