BlastPoint's Credit Union Scorecard
OUR FAMILY SOCIAL
Charter #64938 · NE
2556 CUs in <100M nationally
34 in NE
OUR FAMILY SOCIAL has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.89% 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 3.7% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 12.11% above tier (higher cost structure)
- - Delinquency rate 0.93% above tier average
- - Total Assets: Bottom 3.8% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
- - Total Deposits: Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 5.0% in tier
- - Net Worth Ratio: Bottom 6.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.8% in tier
- - Total Loans: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
415
-0.5% YoY-0.7% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
Bottom 11.5% in tier |
| Assets |
$617,504
+0.9% YoY+0.1% QoQ
|
$-29.5M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.7% in tier |
| Loans |
$570,058
-5.3% YoY-5.6% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.0% in tier |
| Deposits |
$562,607
+4.9% YoY+2.6% QoQ
|
$-25.1M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.3% in tier |
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| ROA |
0.0%
-100.0% YoY-100.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
4.8%
-8.9% YoY-32.0% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
94.7%
+7.0% YoY+45.7% QoQ
|
+12.1% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
2.5%
-60.9% YoY-3.4% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
101.3%
-9.7% YoY-8.0% QoQ
|
+40.7% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 3.8% in tier |
| AMR |
$2,729
-0.0% YoY-1.0% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.0% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
96
Loan-to-Share Ratio
balance_sheet
Value:
101.32%
Peer Median: -
#96 of 2556
Top 3.7% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
459
Net Interest Margin (NIM)
profitability
Value:
4.84%
Peer Median: -
#459 of 2556
Top 17.9% in <100M tier
Top Weaknesses (11 metrics)
2461
Total Assets
balance_sheet
Value:
$617,504
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier
2454
Average Member Relationship (AMR)
engagement
Value:
$2,729
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2446
Total Deposits
balance_sheet
Value:
$562,607
Peer Median: -
#2446 of 2556
Bottom 4.3% in <100M tier
2428
Fee Income Per Member
profitability
Value:
$0.32
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2394
Net Worth Ratio
risk
Value:
8.38%
Peer Median: -
#2394 of 2556
Bottom 6.4% in <100M tier
2358
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,374
Peer Median: -
#2358 of 2556
Bottom 7.8% in <100M tier
2351
Total Loans
balance_sheet
Value:
$570,058
Peer Median: -
#2351 of 2556
Bottom 8.1% in <100M tier
2261
Total Members
engagement
Value:
415
Peer Median: -
#2261 of 2556
Bottom 11.6% in <100M tier
2148
Return on Assets (ROA)
profitability
Value:
0.00%
Peer Median: -
#2148 of 2556
Bottom 16.0% in <100M tier
2117
Total Delinquency Rate (60+ days)
risk
Value:
2.49%
Peer Median: -
#2117 of 2556
Bottom 17.2% in <100M tier