BlastPoint's Credit Union Scorecard

COBALT

Charter #24917 · NE

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

COBALT has 3 strengths but faces 9 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 0.61% above tier average
+ Members Per Employee (MPE): Top 7.0% in tier
+ First Mortgage Concentration (%): Top 8.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 51.3% in tier
- Liquidity Strain: Bottom 81.2% in tier
- Stagnation Risk: Bottom 90.5% in tier
- Membership Headwinds: Bottom 92.9% in tier
- Deposit Outflow: Bottom 94.4% in tier
- ROA 0.09% below tier average
- Average Member Relationship (AMR): Bottom 4.6% in tier
- Deposit Growth Rate: Bottom 8.6% in tier
- Net Worth Ratio: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	116,118 -0.8% YoY+0.3% QoQ	+18.7K	97,431 -2.4% YoY	11,118 +2.3% YoY	33,374 +5.7% YoY	70%
Assets	$1.3B -0.6% YoY+1.0% QoQ	$-399.6M	$1.7B +0.9% YoY	$137.3M +7.4% YoY	$561.6M +9.7% YoY	32%
Loans	$1.1B +5.7% YoY+2.6% QoQ	$-171.4M	$1.2B +0.5% YoY	$99.6M +9.6% YoY	$397.0M +8.8% YoY	44%
Deposits	$1.1B -1.7% YoY+1.3% QoQ	$-314.5M	$1.5B +0.9% YoY	$116.6M +5.9% YoY	$477.3M +9.7% YoY	36%

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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	0.6% -1167.2% YoY-18.4% QoQ	-0.1%	0.7% +20.9% YoY	0.6% +50.8% YoY	0.7% +15.9% YoY	44%
NIM	3.9% +41.3% YoY+3.7% QoQ	+0.6%	3.3% +9.2% YoY	4.0% +10.2% YoY	3.8% +5.1% YoY	Top 14.6% in tier
Efficiency Ratio	70.4% -13.4% YoY+2.4% QoQ	-3.6%	74.1% -9.5% YoY	81.4% -6.7% YoY	79.7% -3.3% YoY	33%
Delinquency Rate	0.8% -12.3% YoY-1.7% QoQ	-0.1	0.9% +6.2% YoY	1.1% -6.1% YoY	1.3% -2.1% YoY	58%
Loan To Share	92.9% +7.5% YoY+1.3% QoQ	+8.1%	84.8% -0.8% YoY	70.8% +0.1% YoY	67.4% -1.7% YoY	66%
AMR	$19,014 +2.6% YoY+1.6% QoQ	$-10K	$29,428 +2.4% YoY	$17,066 +1.6% YoY	$19,687 +2.0% YoY	Bottom 4.3% in tier
CD Concentration	19.1% -17.3% YoY-4.0% QoQ	-9.9%	29.0%	22.3%	19.8%	Bottom 12.2% in tier
Indirect Auto %	35.9% -21.6% YoY-6.7% QoQ	+17.6%	18.3%	5.6%	7.8%	Top 14.6% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#101 of 196 • Bottom 51.3% in tier

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

Why This Signature

Asset Growth (YoY): -0.58%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 35.88%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.81%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Liquidity Strain

risk

#135 of 166 • Bottom 81.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.86%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 5.68%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | New qualifier

Stagnation Risk

risk

#77 of 85 • Bottom 90.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 5.68%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.84%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#79 of 85 • Bottom 92.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.81%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Deposit Outflow

decline

#18 of 19 • Bottom 94.4% 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): -1.66%

(Tier: 6.71%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.81%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

19 of 378 Mid-Market CUs have this signature | 91 nationally

→ No prior data (19 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 302 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 479.826

Peer Median: -

#22 of 302 Top 7.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.29%

Peer Median: -

#27 of 302 Top 8.6% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.12%

Peer Median: -

#40 of 302 Top 12.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.89%

Peer Median: -

#44 of 302 Top 14.2% in 1B-3B tier

Top Weaknesses (8 metrics)

289

Average Member Relationship (AMR)

engagement

Value: $19,014

Peer Median: -

#289 of 302 Bottom 4.6% in 1B-3B tier

277

Deposit Growth Rate

growth

Value: -1.66%

Peer Median: -

#277 of 302 Bottom 8.6% in 1B-3B tier

273

Net Worth Ratio

risk

Value: 8.82%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

272

Loan-to-Member Ratio (LMR)

engagement

Value: $9,155

Peer Median: -

#272 of 302 Bottom 10.3% in 1B-3B tier

269

Asset Growth Rate

growth

Value: -0.58%

Peer Median: -

#269 of 302 Bottom 11.3% in 1B-3B tier

259

Indirect Auto Concentration (%)

balance_sheet

Value: 35.88%

Peer Median: -

#259 of 302 Bottom 14.6% in 1B-3B tier

231

Member Growth Rate

growth

Value: -0.81%

Peer Median: -

#231 of 302 Bottom 23.8% in 1B-3B tier

229

Net Charge-Off Rate

risk

Value: 0.78%

Peer Median: -

#229 of 302 Bottom 24.5% in 1B-3B tier