BlastPoint's Credit Union Scorecard

NORTH PLATTE UNION PACIFIC EMPLOYEE

Charter #65528 · NE

<100M

2508 CUs in <100M nationally 34 in NE

NORTH PLATTE UNION PACIFIC EMPLOYEE has 1 strength but faces 3 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 0.80% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 2.09% above tier average
- Indirect Auto Concentration (%): Bottom 6.5% in tier
- Total Delinquency Rate (60+ days): Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	3,947 -1.0% YoY+0.2% QoQ	+1.3K	2,676 +1.6% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	78%
Assets	$43.2M +3.7% YoY+2.1% QoQ	+$13.0M	$30.2M +1.3% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	72%
Loans	$15.5M -15.5% YoY-4.7% QoQ	+$191K	$15.3M -2.0% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	63%
Deposits	$35.9M +2.0% YoY+2.2% QoQ	+$10.2M	$25.8M +0.7% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	71%

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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	0.9% +136.2% YoY+34.3% QoQ	+0.8%	0.1% -77.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	67%
NIM	2.9% +4.4% YoY+3.5% QoQ	-1.1%	4.0% +4.0% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	73.7% -7.9% YoY-3.2% QoQ	-16.9%	90.6% +6.5% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	32%
Delinquency Rate	3.6% +382.1% YoY+331.4% QoQ	+2.1	1.5% +3.8% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	Bottom 9.1% in tier
Loan To Share	43.0% -17.1% YoY-6.7% QoQ	-15.5%	58.5% -3.0% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	26%
AMR	$13,026 -2.9% YoY-0.1% QoQ	$-2K	$14,884 -1.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	45%
CD Concentration	25.2% +3.4% YoY-0.2% QoQ	+1.0%	24.3%	22.1%	19.8%	50%
Indirect Auto %	15.9% -16.9% YoY+1.6% QoQ	+2.1%	13.8%	5.5%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

539

Total Members

engagement

Value: 3,947

Peer Median: 1,918

#539 of 2508 Top 21.5% in <100M tier

560

Members Per Employee (MPE)

engagement

Value: 438.556

Peer Median: 333.750

#560 of 2508 Top 22.3% in <100M tier

Top Weaknesses (5 metrics)

2347

Indirect Auto Concentration (%)

balance_sheet

Value: 15.88%

Peer Median: 0.00%

#2347 of 2508 Bottom 6.5% in <100M tier

2281

Total Delinquency Rate (60+ days)

risk

Value: 3.59%

Peer Median: 0.65%

#2281 of 2508 Bottom 9.1% in <100M tier

2229

Loan Growth Rate

growth

Value: -15.46%

Peer Median: -2.36%

#2229 of 2508 Bottom 11.2% in <100M tier

2088

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.83%

#2088 of 2508 Bottom 16.8% in <100M tier

1891

Share Certificate Concentration (%)

balance_sheet

Value: 25.25%

Peer Median: 12.45%

#1891 of 2508 Bottom 24.6% in <100M tier