BlastPoint's Credit Union Scorecard

BOX BUTTE PUBLIC EMPLOYEES

Charter #4176 · NE

<100M

2508 CUs in <100M nationally 34 in NE

BOX BUTTE PUBLIC EMPLOYEES faces 3 concerns requiring attention

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency ratio 5.61% above tier (higher cost structure)
- Delinquency rate 0.21% above tier average
- Net Worth Ratio: Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	650 -0.9% YoY-0.5% QoQ	-2.0K	2,676 +1.6% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	18%
Assets	$8.1M -4.7% YoY-6.3% QoQ	$-22.1M	$30.2M +1.3% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	27%
Loans	$5.0M -5.4% YoY-2.9% QoQ	$-10.3M	$15.3M -2.0% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	34%
Deposits	$7.4M -3.3% YoY-6.6% QoQ	$-18.4M	$25.8M +0.7% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	30%

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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	0.2% -111.8% YoY-115.0% QoQ	+0.0%	0.1% -77.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	28%
NIM	3.8% +86.5% YoY+42.6% QoQ	-0.2%	4.0% +4.0% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	96.2% -39.4% YoY-19.4% QoQ	+5.6%	90.6% +6.5% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.7% +1177.8% YoY-32.2% QoQ	+0.2	1.5% +3.8% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	77%
Loan To Share	67.2% -2.2% YoY+3.9% QoQ	+8.7%	58.5% -3.0% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	63%
AMR	$19,106 -3.3% YoY-4.7% QoQ	+$4K	$14,884 -1.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	74%
CD Concentration	33.8% -32.5% YoY-22.1% QoQ	+9.5%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

495

Loan-to-Member Ratio (LMR)

engagement

Value: $7,680

Peer Median: $4,923

#495 of 2508 Top 19.7% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (8 metrics)

2452

Net Worth Ratio

risk

Value: 7.10%

Peer Median: 14.28%

#2452 of 2508 Bottom 2.3% in <100M tier

2240

Members Per Employee (MPE)

engagement

Value: 162.500

Peer Median: 333.750

#2240 of 2508 Bottom 10.7% in <100M tier

2191

Share Certificate Concentration (%)

balance_sheet

Value: 33.76%

Peer Median: 12.45%

#2191 of 2508 Bottom 12.7% in <100M tier

2135

Asset Growth Rate

growth

Value: -4.69%

Peer Median: 1.30%

#2135 of 2508 Bottom 14.9% in <100M tier

2062

Total Members

engagement

Value: 650

Peer Median: 1,918

#2062 of 2508 Bottom 17.8% in <100M tier

2012

Efficiency Ratio

profitability

Value: 96.24%

Peer Median: 81.45%

#2012 of 2508 Bottom 19.8% in <100M tier

1942

Total Delinquency Rate (60+ days)

risk

Value: 1.71%

Peer Median: 0.65%

#1942 of 2508 Bottom 22.6% in <100M tier

1914

AMR Growth Rate

growth

Value: -3.28%

Peer Median: 1.27%

#1914 of 2508 Bottom 23.7% in <100M tier