BlastPoint's Credit Union Scorecard
BOX BUTTE PUBLIC EMPLOYEES
Charter #4176 · NE
BOX BUTTE PUBLIC EMPLOYEES has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.66% below tier average
- - Efficiency ratio 53.22% above tier (higher cost structure)
- - Delinquency rate 2.05% above tier average
- - Net Worth Ratio: Bottom 2.3% in tier
- - Share Certificate Concentration (%): Bottom 5.0% in tier
- - Net Interest Margin (NIM): Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
661
+1.1% YoY+1.8% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
18% |
| Assets |
$8.3M
+4.5% YoY-1.8% QoQ
|
$-21.5M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$5.3M
-5.8% YoY-1.3% QoQ
|
$-10.5M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$7.6M
+6.1% YoY-1.0% QoQ
|
$-17.8M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
31% |
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| ROA |
-1.0%
-21.5% YoY-23.3% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.6% in tier |
| NIM |
2.4%
-20.7% YoY+7.5% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio |
134.6%
+8.7% YoY-9.5% QoQ
|
+53.2% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
3.6%
+21976.9% YoY+1198.7% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
Top 9.8% in tier |
| Loan To Share |
68.8%
-11.2% YoY-0.3% QoQ
|
+7.6% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$19,540
-0.2% YoY-3.0% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
45.2%
-4.9% YoY-9.2% QoQ
|
+20.8% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)