BlastPoint's Credit Union Scorecard
OUR FAMILY SOCIAL
Charter #64938 · NE
<100M
2508 CUs in <100M nationally
34 in NE
OUR FAMILY SOCIAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.01% above tier average
- + Net Interest Margin 3.29% above tier average
- + Loan-to-Share Ratio: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.25% above tier average
- - Fee Income Per Member: Bottom 0.4% in tier
- - Total Assets: Bottom 3.7% in tier
- - Average Member Relationship (AMR): Bottom 3.9% in tier
- - Total Deposits: Bottom 4.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
- - Total Loans: Bottom 8.3% in tier
- - Net Worth Ratio: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
415
+0.2% YoY0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
Bottom 11.4% in tier |
| Assets |
$625,773
+1.7% YoY+1.3% QoQ
|
$-29.6M |
$30.2M
+1.3% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.7% in tier |
| Loans |
$545,245
-4.3% YoY-4.4% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.3% in tier |
| Deposits |
$566,567
+2.1% YoY+0.7% QoQ
|
$-25.2M |
$25.8M
+0.7% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 4.3% in tier |
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| ROA |
1.2%
-41.5% YoY
|
+1.0% |
0.1%
-77.6% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
7.3%
+0.4% YoY+50.6% QoQ
|
+3.3% |
4.0%
+4.0% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
Top 0.9% in tier |
| Efficiency Ratio |
80.8%
+19.8% YoY-14.7% QoQ
|
-9.9% |
90.6%
+6.5% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
2.7%
-5.4% YoY+10.6% QoQ
|
+1.2 |
1.5%
+3.8% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
96.2%
-6.2% YoY-5.0% QoQ
|
+37.7% |
58.5%
-3.0% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Top 4.5% in tier |
| AMR |
$2,679
-1.4% YoY-1.8% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.9% in tier |
| CD Concentration | 0.0% | -24.3% | 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
23
Net Interest Margin (NIM)
profitability
Value:
7.30%
Peer Median: 3.83%
#23 of 2508
Top 0.9% in <100M tier
111
Loan-to-Share Ratio
balance_sheet
Value:
96.24%
Peer Median: 58.72%
#111 of 2508
Top 4.4% 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
627
Return on Assets (ROA)
profitability
Value:
1.16%
Peer Median: 0.61%
#627 of 2508
Top 25.0% in <100M tier
Top Weaknesses (9 metrics)
2500
Fee Income Per Member
profitability
Value:
$-18.99
Peer Median: $60.42
#2500 of 2508
Bottom 0.4% in <100M tier
2415
Total Assets
balance_sheet
Value:
$625,773
Peer Median: $21.86M
#2415 of 2508
Bottom 3.7% in <100M tier
2411
Average Member Relationship (AMR)
engagement
Value:
$2,679
Peer Median: $13,926
#2411 of 2508
Bottom 3.9% in <100M tier
2401
Total Deposits
balance_sheet
Value:
$566,567
Peer Median: $18.77M
#2401 of 2508
Bottom 4.3% in <100M tier
2312
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,314
Peer Median: $4,923
#2312 of 2508
Bottom 7.9% in <100M tier
2300
Total Loans
balance_sheet
Value:
$545,245
Peer Median: $9.48M
#2300 of 2508
Bottom 8.3% in <100M tier
2274
Net Worth Ratio
risk
Value:
8.88%
Peer Median: 14.28%
#2274 of 2508
Bottom 9.4% in <100M tier
2221
Total Members
engagement
Value:
415
Peer Median: 1,918
#2221 of 2508
Bottom 11.5% in <100M tier
2184
Total Delinquency Rate (60+ days)
risk
Value:
2.75%
Peer Median: 0.65%
#2184 of 2508
Bottom 13.0% in <100M tier