BlastPoint's Credit Union Scorecard

NORTH PLATTE UNION PACIFIC EMPLOYEE

Charter #65528 ยท NE

2596 CUs in <100M nationally 34 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
79%
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
71%
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
65%
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
70%

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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
46%
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
42%
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
50%
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
30%
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
46%
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
50%
Indirect Auto % 17.0%
-16.6% YoY-3.5% QoQ
+3.0% 14.0%
-5.7% YoY
5.8%
-5.5% YoY
7.9%
-2.9% YoY
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)

Comparing against 2596 peers in tier

Top Strengths (3 metrics)

1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
390
Members Per Employee (MPE)
engagement
Value: 499.375
Peer Avg: -
#390 of 2596 Top 15.0% in <100M tier
556
Total Members
engagement
Value: 3,995
Peer Avg: -
#556 of 2596 Top 21.4% in <100M tier

Top Weaknesses (4 metrics)

2418
Indirect Auto Concentration (%)
balance_sheet
Value: 16.95%
Peer Avg: -
#2418 of 2596 Bottom 6.9% in <100M tier
2239
Net Interest Margin (NIM)
profitability
Value: 2.84%
Peer Avg: -
#2239 of 2596 Bottom 13.8% in <100M tier
2181
Loan Growth Rate
growth
Value: -12.27%
Peer Avg: -
#2181 of 2596 Bottom 16.0% in <100M tier
2005
Share Certificate Concentration (%)
balance_sheet
Value: 25.99%
Peer Avg: -
#2005 of 2596 Bottom 22.8% in <100M tier
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