FIRST NEBRASKA

Charter #65398 | NE

100M-500M (1077 CUs) Micro
12 100M-500M in NE

FIRST NEBRASKA has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 16.2% in tier
  • + ROA 0.32% above tier average
  • + Net Interest Margin 0.49% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 13.6% in tier
  • - Liquidity Overhang: Bottom 14.0% in tier
  • - Accelerating Exit Risk: Bottom 21.0% in tier
  • - Indirect Auto Dependency: Bottom 21.2% in tier
  • - Stagnation Risk: Bottom 22.9% in tier
  • - Shrinking Wallet Share: Bottom 24.0% in tier
  • - Membership Headwinds: Bottom 26.7% in tier
  • - Institutional Decline: Bottom 30.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 16,706
-1.2% YoY-0.5% QoQ
 +1.1K 15,628
-3.4% YoY
 11,261
+2.9% YoY
 33,089
+6.1% YoY
 64th in tier
Assets $180.8M
-0.5% YoY-1.5% QoQ
 $-50.5M $231.3M
-0.0% YoY
 $135.7M
+6.0% YoY
 $547.7M
+7.8% YoY
 44th in tier
Loans $118.8M
-2.0% YoY+1.2% QoQ
 $-29.0M $147.8M
-1.4% YoY
 $98.5M
+7.2% YoY
 $388.7M
+8.6% YoY
 47th in tier
Deposits $153.1M
-1.6% YoY-1.9% QoQ
 $-47.2M $200.3M
-0.0% YoY
 $114.5M
+4.4% YoY
 $464.6M
+9.3% YoY
 42nd in tier
ROA 1.1%
+82.6% YoY-17.6% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.7%
+41.5% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 4.1%
+7.8% YoY+2.2% QoQ
 +0.5% 3.6%
+6.9% YoY
 4.0%
+7.0% YoY
 3.7%
+5.0% YoY
 Top 22.5% in tier
Efficiency Ratio 74.9%
-10.3% YoY+4.5% QoQ
 -2.3% 77.3%
-3.0% YoY
 80.8%
-5.9% YoY
 79.1%
-3.3% YoY
 42nd in tier
Delinquency Rate 0.7%
-19.2% YoY-37.6% QoQ
 -0.1 0.9%
+7.6% YoY
 1.1%
+1.3% YoY
 1.2%
-0.9% YoY
 54th in tier
Loan To Share 77.6%
-0.4% YoY+3.2% QoQ
 +4.9% 72.7%
-1.5% YoY
 71.7%
-1.6% YoY
 68.0%
-1.7% YoY
 57th in tier
AMR $16,274
-0.6% YoY-0.1% QoQ
 $-8K $24,363
+2.9% YoY
 $16,886
+0.6% YoY
 $19,418
+1.3% YoY
 Bottom 14.9% in tier
CD Concentration 19.6%
-3.5% YoY-1.3% QoQ
 -4.8% 24.4%
+4.2% YoY
 22.1%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 31.7%
+6.6% YoY+4.6% QoQ
 +17.8% 14.0%
-5.8% YoY
 5.8%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#304 of 627 • Top 16.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.11%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.22%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Concerns (8)

Deposit Outflow

decline
#81 of 114 • Bottom 13.6% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.63%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $180.77M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Liquidity Overhang

risk
#218 of 552 • Bottom 14.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.53%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 77.56%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Accelerating Exit Risk

decline
#56 of 58 • Bottom 21.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.22%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -0.59%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 1077 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#342 of 525 • Bottom 21.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -0.53%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 31.72%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.22%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk
#377 of 550 • Bottom 22.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.11%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.22%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $16.3K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 19.61%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#240 of 244 • Bottom 24.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.59%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Membership Headwinds

decline
#440 of 550 • Bottom 26.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.22%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Institutional Decline

decline
#239 of 256 • Bottom 30.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $180.77M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.22%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.03%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

142
Net Worth Ratio
risk
Value: 15.53%
Peer Avg: 12.15%
#142 of 1077 Top 13.1% in 100M-500M tier
242
Net Interest Margin (NIM)
profitability
Value: 4.08%
Peer Avg: 3.58%
#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (6 metrics)

965
Deposit Growth Rate
growth
Value: -1.63%
Peer Avg: 4.69%
#965 of 1077 Bottom 10.5% in 100M-500M tier
917
Indirect Auto Concentration (%)
balance_sheet
Value: 31.72%
Peer Avg: 13.34%
#917 of 1077 Bottom 14.9% in 100M-500M tier
917
Average Member Relationship (AMR)
engagement
Value: $16,274
Peer Avg: $24,363
#917 of 1077 Bottom 14.9% in 100M-500M tier
902
Asset Growth Rate
growth
Value: -0.53%
Peer Avg: 4.70%
#902 of 1077 Bottom 16.3% in 100M-500M tier
885
AMR Growth Rate
growth
Value: -0.59%
Peer Avg: 3.64%
#885 of 1077 Bottom 17.9% in 100M-500M tier
819
Loan-to-Member Ratio (LMR)
engagement
Value: $7,109
Peer Avg: $10,245
#819 of 1077 Bottom 24.0% in 100M-500M tier