BlastPoint's Credit Union Scorecard

FIRST NEBRASKA

Charter #65398 · NE

1077 CUs in 100M-500M nationally 12 in NE

FIRST NEBRASKA has 2 strengths but faces 6 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

+ ROA 0.32% above tier average
+ Net Interest Margin 0.49% above tier average

Key Concerns

Areas that may need attention

- 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	64%
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	44%
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	47%
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	42%

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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	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	73%
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	78%
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	42%
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	54%
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	57%
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	50%
Indirect Auto %	31.7% +6.6% YoY+4.6% QoQ	+17.7%	14.0% -5.7% YoY	5.8% -5.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

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: 13.97%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.22%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.03%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.73%

(Tier: 0.85%, National: 1.23%)

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: $331.87M, 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: 3.65%, 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

142

Net Worth Ratio

risk

Value: 15.53%

Peer Avg: -

#142 of 1077 Top 13.1% in 100M-500M tier

242

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (6 metrics)

965

Deposit Growth Rate

growth

Value: -1.63%

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier

917

Indirect Auto Concentration (%)

balance_sheet

Value: 31.72%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

917

Average Member Relationship (AMR)

engagement

Value: $16,274

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

902

Asset Growth Rate

growth

Value: -0.53%

Peer Avg: -

#902 of 1077 Bottom 16.3% in 100M-500M tier

885

AMR Growth Rate

growth

Value: -0.59%

Peer Avg: -

#885 of 1077 Bottom 17.9% in 100M-500M tier

819

Loan-to-Member Ratio (LMR)

engagement

Value: $7,109

Peer Avg: -

#819 of 1077 Bottom 24.0% in 100M-500M tier