BlastPoint's Credit Union Scorecard
ARCHER COOPERATIVE
Charter #66270 · NE
ARCHER COOPERATIVE has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.77% above tier average
- + Loan-to-Share Ratio: Top 5.4% in tier
- + Loan-to-Member Ratio (LMR): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Members Per Employee (MPE): Bottom 1.1% in tier
- - Total Assets: Bottom 2.1% in tier
- - Total Members: Bottom 3.7% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 5.0% in tier
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 +4.9% year over year ($90.9M in shares and deposits).
- Membership: 4,895 members, +1.1% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 0.96%.
- Efficiency ratio 73.24% vs a 76.73% peer average.
- Loan-to-share ratio 95.68% 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 |
4,895
+1.1% YoY+0.3% QoQ
|
-10.3K |
15,168
-2.6% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
Bottom 3.6% in tier |
| Assets |
$102.7M
+2.3% YoY+0.7% QoQ
|
$-129.3M |
$232.0M
+0.7% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.0% in tier |
| Loans |
$86.9M
+2.7% YoY+1.0% QoQ
|
$-59.3M |
$146.3M
+0.2% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$90.9M
+4.9% YoY+0.4% QoQ
|
$-109.8M |
$200.7M
+0.2% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.8% in tier |
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| ROA |
1.0%
-6.6% YoY-22.3% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
4.5%
+6.9% YoY+0.7% QoQ
|
+0.8% |
3.7%
+4.5% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
73.2%
+0.2% YoY+5.9% QoQ
|
-3.5% |
76.7%
-0.8% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.8%
-32.4% YoY-27.1% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
95.7%
-2.1% YoY+0.7% QoQ
|
+24.1% |
71.5%
-0.3% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
Top 5.5% in tier |
| AMR |
$36,323
+2.6% YoY+0.4% QoQ
|
+$11K |
$25,107
+3.2% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
Top 8.8% in tier |
| CD Concentration |
42.8%
+4.3% YoY-2.0% QoQ
|
+18.3% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)