BlastPoint's Credit Union Scorecard

ARCHER COOPERATIVE

Charter #66270 · NE

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

ARCHER COOPERATIVE has 10 strengths but faces 14 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

+ Relationship Depth Leader: Top 3.1% in tier
+ Wallet Share Momentum: Top 6.2% in tier
+ ROA 0.27% above tier average
+ Net Interest Margin 0.58% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Share Ratio: Top 1.8% in tier
+ AMR Growth Rate: Top 2.2% in tier
+ Loan-to-Member Ratio (LMR): Top 5.2% in tier
+ Average Member Relationship (AMR): Top 8.4% in tier
+ Asset Growth Rate: Top 9.2% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 0.2% in tier
- Liquidity Strain: Bottom 3.0% in tier
- Credit Quality Pressure: Bottom 3.2% in tier
- Membership Headwinds: Bottom 3.3% in tier
- Credit Risk Growth: Bottom 3.5% in tier
- Delinquency rate 1.18% above tier average
- Member decline: -8.2% YoY
- Total Deposits: Bottom 0.8% in tier
- Members Per Employee (MPE): Bottom 1.3% in tier
- Total Assets: Bottom 2.5% in tier
- Total Members: Bottom 2.8% in tier
- Share Certificate Concentration (%): Bottom 4.3% in tier
- Member Growth Rate: Bottom 4.9% in tier
- Total Delinquency Rate (60+ days): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	4,857 -8.2% YoY+0.4% QoQ	-10.8K	15,628 -3.4% YoY	11,261 +2.9% YoY	33,089 +6.1% YoY	Bottom 2.7% in tier
Assets	$104.1M +10.7% YoY+3.7% QoQ	$-127.2M	$231.3M -0.0% YoY	$135.7M +6.0% YoY	$547.7M +7.8% YoY	Bottom 2.4% in tier
Loans	$87.5M +7.7% YoY+3.3% QoQ	$-60.3M	$147.8M -1.4% YoY	$98.5M +7.2% YoY	$388.7M +8.6% YoY	27%
Deposits	$84.9M +8.4% YoY-2.0% QoQ	$-115.4M	$200.3M -0.0% YoY	$114.5M +4.4% YoY	$464.6M +9.3% YoY	Bottom 0.7% in tier

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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% +111.5% YoY+2.8% QoQ	+0.3%	0.8% +15.5% YoY	0.7% +41.5% YoY	0.7% +273.4% YoY	69%
NIM	4.2% +6.0% YoY-0.2% QoQ	+0.6%	3.6% +6.9% YoY	4.0% +7.0% YoY	3.7% +5.0% YoY	81%
Efficiency Ratio	71.1% -7.5% YoY-2.8% QoQ	-6.2%	77.3% -3.0% YoY	80.8% -5.9% YoY	79.1% -3.3% YoY	28%
Delinquency Rate	2.0% +54.8% YoY+63.0% QoQ	+1.2	0.9% +7.6% YoY	1.1% +1.3% YoY	1.2% -0.9% YoY	Top 6.2% in tier
Loan To Share	103.1% -0.7% YoY+5.4% QoQ	+30.4%	72.7% -1.5% YoY	71.7% -1.6% YoY	68.0% -1.7% YoY	Top 1.9% in tier
AMR	$35,487 +17.7% YoY+0.3% QoQ	+$11K	$24,363 +2.9% YoY	$16,886 +0.6% YoY	$19,418 +1.3% YoY	Top 8.4% in tier
CD Concentration	42.9% +0.4% YoY+4.5% QoQ	+18.5%	24.4% +4.2% YoY	22.1% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.8% -5.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#9 of 257 • Top 3.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 17.71%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#31 of 481 • Top 6.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 17.71%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#5 of 550 • Bottom 0.2% 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): -8.24%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 7.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 2.04%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk

#24 of 258 • Bottom 3.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 103.08%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Quality Pressure

risk

#80 of 736 • Bottom 3.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.72% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#55 of 550 • Bottom 3.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -8.24%

(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 | New qualifier

Credit Risk Growth

risk

#54 of 446 • Bottom 3.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.66%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.72% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

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 (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 103.08%

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 17.71%

Peer Avg: -

#25 of 1077 Top 2.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,012

Peer Avg: -

#57 of 1077 Top 5.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,487

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

100

Asset Growth Rate

growth

Value: 10.67%

Peer Avg: -

#100 of 1077 Top 9.2% in 100M-500M tier

188

First Mortgage Concentration (%)

balance_sheet

Value: 13.46%

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

197

Deposit Growth Rate

growth

Value: 8.38%

Peer Avg: -

#197 of 1077 Top 18.2% in 100M-500M tier

200

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Avg: -

#200 of 1077 Top 18.5% in 100M-500M tier

258

Loan Growth Rate

growth

Value: 7.66%

Peer Avg: -

#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1069

Total Deposits

balance_sheet

Value: $84.88M

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1064

Members Per Employee (MPE)

engagement

Value: 173.464

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

1051

Total Assets

balance_sheet

Value: $104.13M

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

1048

Total Members

engagement

Value: 4,857

Peer Avg: -

#1048 of 1077 Bottom 2.8% in 100M-500M tier

1032

Share Certificate Concentration (%)

balance_sheet

Value: 42.89%

Peer Avg: -

#1032 of 1077 Bottom 4.3% in 100M-500M tier

1025

Member Growth Rate

growth

Value: -8.24%

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

1011

Total Delinquency Rate (60+ days)

risk

Value: 2.04%

Peer Avg: -

#1011 of 1077 Bottom 6.2% in 100M-500M tier

826

Net Worth Ratio

risk

Value: 9.73%

Peer Avg: -

#826 of 1077 Bottom 23.4% in 100M-500M tier