BlastPoint's Credit Union Scorecard
OUR FAMILY SOCIAL
Charter #64938 · NE
2596 CUs in <100M nationally
34 in NE
OUR FAMILY SOCIAL has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.48% above tier average
- + Net Interest Margin 3.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.06% above tier average
- - Total Assets: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
- - Total Deposits: Bottom 4.5% in tier
- - Fee Income Per Member: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.4% in tier
- - Total Loans: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
418
+0.5% YoY0% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 11.7% in tier |
| Assets |
$616,656
+1.0% YoY-1.3% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.9% in tier |
| Loans |
$604,140
+1.5% YoY+7.8% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.4% in tier |
| Deposits |
$548,355
+0.7% YoY-2.2% QoQ
|
$-24.9M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.5% in tier |
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| ROA |
2.2%
-1.9% YoY-19.5% QoQ
|
+1.5% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Top 6.7% in tier |
| NIM |
7.1%
+1.1% YoY+1.1% QoQ
|
+3.2% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
65.0%
-5.7% YoY+14.8% QoQ
|
-16.4% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
2.6%
-62.4% YoY+66.2% QoQ
|
+1.1 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
Top 14.6% in tier |
| Loan To Share |
110.2%
+0.8% YoY+10.2% QoQ
|
+48.9% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Top 1.7% in tier |
| AMR |
$2,757
+0.6% YoY+2.8% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.3% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
32
Net Interest Margin (NIM)
profitability
Value:
7.12%
Peer Avg: -
#32 of 2596
Top 1.2% in <100M tier
40
Loan-to-Share Ratio
balance_sheet
Value:
110.17%
Peer Avg: -
#40 of 2596
Top 1.5% in <100M tier
173
Return on Assets (ROA)
profitability
Value:
2.16%
Peer Avg: -
#173 of 2596
Top 6.6% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
565
Efficiency Ratio
profitability
Value:
64.97%
Peer Avg: -
#565 of 2596
Top 21.7% in <100M tier
Top Weaknesses (9 metrics)
2494
Total Assets
balance_sheet
Value:
$616,656
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier
2485
Average Member Relationship (AMR)
engagement
Value:
$2,757
Peer Avg: -
#2485 of 2596
Bottom 4.3% in <100M tier
2480
Total Deposits
balance_sheet
Value:
$548,355
Peer Avg: -
#2480 of 2596
Bottom 4.5% in <100M tier
2436
Fee Income Per Member
profitability
Value:
$0.42
Peer Avg: -
#2436 of 2596
Bottom 6.2% in <100M tier
2380
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,445
Peer Avg: -
#2380 of 2596
Bottom 8.4% in <100M tier
2378
Total Loans
balance_sheet
Value:
$604,140
Peer Avg: -
#2378 of 2596
Bottom 8.4% in <100M tier
2292
Total Members
engagement
Value:
418
Peer Avg: -
#2292 of 2596
Bottom 11.7% in <100M tier
2218
Total Delinquency Rate (60+ days)
risk
Value:
2.57%
Peer Avg: -
#2218 of 2596
Bottom 14.6% in <100M tier
2159
Net Worth Ratio
risk
Value:
10.03%
Peer Avg: -
#2159 of 2596
Bottom 16.9% in <100M tier