BlastPoint's Credit Union Scorecard
U.P. CONNECTION
Charter #4098 · NE
U.P. CONNECTION has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Efficiency ratio 32.47% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - First Mortgage Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,396
-2.8% YoY-0.5% QoQ
|
-219 |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$32.8M
-2.6% YoY-0.9% QoQ
|
+$2.7M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$18.2M
-6.2% YoY-1.9% QoQ
|
+$2.4M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$28.4M
-2.6% YoY-0.7% QoQ
|
+$2.7M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
-0.7%
+145.8% YoY+3.5% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.6% in tier |
| NIM |
2.7%
+23.1% YoY+1.3% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.2% in tier |
| Efficiency Ratio |
115.0%
+6.6% YoY-1.5% QoQ
|
+32.5% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
63.9%
-3.7% YoY-1.3% QoQ
|
+3.3% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$19,444
-1.3% YoY-0.7% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
18.3%
-9.4% YoY+2.3% QoQ
|
-6.2% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)