BlastPoint's Credit Union Scorecard

U.P. CONNECTION

Charter #4098 · NE

<100M

2508 CUs in <100M nationally 34 in NE

U.P. CONNECTION has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Delinquency Rate (60+ days): Top 0.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.54% below tier average
- Efficiency ratio 20.10% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	2,395 -1.8% YoY-0.0% QoQ	-281	2,676 +1.6% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	59%
Assets	$33.3M -2.9% YoY+1.3% QoQ	+$3.1M	$30.2M +1.3% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	62%
Loans	$17.5M -7.9% YoY-3.6% QoQ	+$2.2M	$15.3M -2.0% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	67%
Deposits	$28.8M -2.6% YoY+1.5% QoQ	+$3.1M	$25.8M +0.7% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	63%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-0.4% -39.3% QoQ	-0.5%	0.1% -77.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	Bottom 14.3% in tier
NIM	2.7% +3.5% YoY-3.1% QoQ	-1.4%	4.0% +4.0% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	Bottom 10.4% in tier
Efficiency Ratio	110.7% +11.1% YoY-3.7% QoQ	+20.1%	90.6% +6.5% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	Bottom 9.3% in tier
Delinquency Rate	0.0%	-1.5	1.5% +3.8% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	Top 0.1% in tier
Loan To Share	60.7% -5.4% YoY-5.0% QoQ	+2.2%	58.5% -3.0% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	53%
AMR	$19,355 -2.9% YoY-0.5% QoQ	+$4K	$14,884 -1.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	75%
CD Concentration	17.7% -0.3% YoY-3.3% QoQ	-6.6%	24.3%	22.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.65%

#1 of 2508 Top 0.1% in <100M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

286

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: 0.07%

#286 of 2508 Top 11.4% in <100M tier

332

Fee Income Per Member

profitability

Value: $143.29

Peer Median: $60.42

#332 of 2508 Top 13.2% in <100M tier

555

Loan-to-Member Ratio (LMR)

engagement

Value: $7,311

Peer Median: $4,923

#555 of 2508 Top 22.1% in <100M tier

621

Average Member Relationship (AMR)

engagement

Value: $19,355

Peer Median: $13,926

#621 of 2508 Top 24.7% in <100M tier

Top Weaknesses (5 metrics)

2294

First Mortgage Concentration (%)

balance_sheet

Value: 49.28%

Peer Median: 3.66%

#2294 of 2508 Bottom 8.6% in <100M tier

2276

Efficiency Ratio

profitability

Value: 110.73%

Peer Median: 81.45%

#2276 of 2508 Bottom 9.3% in <100M tier

2247

Net Interest Margin (NIM)

profitability

Value: 2.65%

Peer Median: 3.83%

#2247 of 2508 Bottom 10.4% in <100M tier

2149

Return on Assets (ROA)

profitability

Value: -0.40%

Peer Median: 0.61%

#2149 of 2508 Bottom 14.4% in <100M tier

1925

Asset Growth Rate

growth

Value: -2.88%

Peer Median: 1.30%

#1925 of 2508 Bottom 23.3% in <100M tier