NORTH PLATTE UNION PACIFIC EMPLOYEE
Charter #65528 | NE
<100M
(2596 CUs)
Micro
($0-$500M)
34 <100M in NE
NORTH PLATTE UNION PACIFIC EMPLOYEE has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,995
-1.4% YoY+0.2% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
Top 21.4% in tier |
| Assets |
$41.6M
+0.6% YoY-1.0% QoQ
|
+$11.8M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
71st in tier |
| Loans |
$16.9M
-12.3% YoY-3.6% QoQ
|
+$1.2M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
65th in tier |
| Deposits |
$34.9M
+0.1% YoY-1.7% QoQ
|
+$9.4M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
70th in tier |
| ROA |
0.7%
+92.2% YoY+43.6% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
46th in tier |
| NIM |
2.8%
+15.2% YoY-0.6% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio |
74.7%
-15.5% YoY-4.2% QoQ
|
-6.6% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.7%
+17.4% YoY+13.2% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
50th in tier |
| Loan To Share |
48.6%
-12.3% YoY-2.0% QoQ
|
-12.6% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$12,972
-2.9% YoY-2.5% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
46th in tier |
| CD Concentration |
26.0%
+11.0% YoY+2.3% QoQ
|
+1.6% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
17.0%
-16.6% YoY-3.5% QoQ
|
+3.0% |
14.0%
-5.8% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (3 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
390
Members Per Employee (MPE)
engagement
Value:
499.375
Peer Avg: 365.701
#390 of 2596
Top 15.0% in <100M tier
556
Total Members
engagement
Value:
3,995
Peer Avg: 2,626
#556 of 2596
Top 21.4% in <100M tier
Top Weaknesses (4 metrics)
2418
Indirect Auto Concentration (%)
balance_sheet
Value:
16.95%
Peer Avg: 2.84%
#2418 of 2596
Bottom 6.9% in <100M tier
2239
Net Interest Margin (NIM)
profitability
Value:
2.84%
Peer Avg: 3.93%
#2239 of 2596
Bottom 13.8% in <100M tier
2181
Loan Growth Rate
growth
Value:
-12.27%
Peer Avg: 59.01%
#2181 of 2596
Bottom 16.0% in <100M tier
2005
Share Certificate Concentration (%)
balance_sheet
Value:
25.99%
Peer Avg: 15.37%
#2005 of 2596
Bottom 22.8% in <100M tier