BlastPoint's Credit Union Scorecard
FIRST NEBRASKA
Charter #65398 · NE
FIRST NEBRASKA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 7.51% above tier (higher cost structure)
- - Member decline: -4.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Nebraska.
- Shares and deposits -0.2% year over year ($156M in shares and deposits).
- Membership: 16,040 members, -4.5% vs a year ago.
- Delinquency rate 0.90%.
- Return on assets 0.51%.
- Efficiency ratio 84.24% vs a 76.73% peer average.
- Loan-to-share ratio 79.67% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,040
-4.5% YoY-0.4% QoQ
|
+871 |
15,168
-2.6% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
63% |
| Assets |
$184.2M
+0.3% YoY+0.6% QoQ
|
$-47.8M |
$232.0M
+0.7% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$124.2M
+5.8% YoY+1.1% QoQ
|
$-22.1M |
$146.3M
+0.2% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$155.8M
-0.2% YoY+0.5% QoQ
|
$-44.9M |
$200.7M
+0.2% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.5%
-62.3% YoY+22.5% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
4.0%
+0.2% YoY+0.1% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
84.2%
+17.5% YoY-1.1% QoQ
|
+7.5% |
76.7%
-0.8% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
0.9%
-22.6% YoY+90.9% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
79.7%
+6.0% YoY+0.6% QoQ
|
+8.1% |
71.5%
-0.3% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$17,457
+7.2% YoY+1.1% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
18.7%
-6.0% YoY+0.2% QoQ
|
-5.9% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
36.0%
+18.8% YoY+5.9% QoQ
|
+22.4% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)