BlastPoint's Credit Union Scorecard

FIRST NEBRASKA

Charter #65398 · NE

100M-500M

1070 CUs in 100M-500M nationally 12 in NE

FIRST NEBRASKA has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 7.17% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	16,107 -4.1% YoY-0.3% QoQ	+961	15,145 -2.5% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	63%
Assets	$183.1M -2.3% YoY+0.7% QoQ	$-48.6M	$231.7M +0.8% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	45%
Loans	$122.9M +3.9% YoY+0.8% QoQ	$-21.3M	$144.1M +0.2% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	51%
Deposits	$155.1M -3.6% YoY+0.9% QoQ	$-46.0M	$201.1M +0.4% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	43%

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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	0.4% -55.9% YoY-60.5% QoQ	-0.3%	0.7% +5.1% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	31%
NIM	4.0% +2.1% YoY-3.1% QoQ	+0.4%	3.6% +4.6% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	85.2% +9.9% YoY+12.0% QoQ	+7.2%	78.0% -1.7% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.5% +3.7% YoY-5.8% QoQ	-0.3	0.8% +7.1% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	38%
Loan To Share	79.2% +7.7% YoY-0.1% QoQ	+8.8%	70.4% -0.4% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	66%
AMR	$17,259 +3.8% YoY+1.2% QoQ	$-8K	$24,918 +2.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	18%
CD Concentration	18.6% -7.4% YoY-4.1% QoQ	-5.6%	24.3%	22.1%	19.8%	50%
Indirect Auto %	34.0% +12.8% YoY+4.1% QoQ	+20.2%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Membership Headwinds

decline

#176 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -4.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#305 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 3.85%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.47%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#305 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): -2.27%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 34.03%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk

#518 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.19%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.53% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -4.08%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Risk Growth

risk

#443 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.85%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#677 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (1 metrics)

131

Net Worth Ratio

risk

Value: 15.64%

Peer Median: 11.45%

#131 of 1070 Top 12.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1005

Deposit Growth Rate

growth

Value: -3.58%

Peer Median: 3.30%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

981

Asset Growth Rate

growth

Value: -2.27%

Peer Median: 3.91%

#981 of 1070 Bottom 8.4% in 100M-500M tier

938

Indirect Auto Concentration (%)

balance_sheet

Value: 34.03%

Peer Median: 6.61%

#938 of 1070 Bottom 12.4% in 100M-500M tier

922

Member Growth Rate

growth

Value: -4.08%

Peer Median: -0.06%

#922 of 1070 Bottom 13.9% in 100M-500M tier

880

Average Member Relationship (AMR)

engagement

Value: $17,259

Peer Median: $22,931

#880 of 1070 Bottom 17.9% in 100M-500M tier