BlastPoint's Credit Union Scorecard
ARCHER COOPERATIVE
Charter #66270 · NE
ARCHER COOPERATIVE has 9 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 4.9% in tier
- + Wallet Share Momentum: Top 11.1% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.52% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 3.1% in tier
- + AMR Growth Rate: Top 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.6% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 10.5% in tier
- - Liquidity Strain: Bottom 27.8% in tier
- - Stagnation Risk: Bottom 30.4% in tier
- - Delinquency rate 0.14% above tier average
- - Member decline: -8.1% YoY
- - Members Per Employee (MPE): Bottom 1.4% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Total Members: Bottom 3.1% in tier
- - Total Assets: Bottom 3.6% in tier
- - Member Growth Rate: Bottom 5.0% in tier
- - Share Certificate Concentration (%): Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,885
-8.1% YoY+0.6% QoQ
|
-10.6K |
15,437
-2.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
Bottom 2.9% in tier |
| Assets |
$105.4M
+10.3% YoY+1.2% QoQ
|
$-126.4M |
$231.9M
+1.3% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.6% in tier |
| Loans |
$86.7M
+4.7% YoY-0.8% QoQ
|
$-60.6M |
$147.3M
-0.1% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$87.7M
+5.8% YoY+3.4% QoQ
|
$-113.1M |
$200.8M
+0.8% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.7% in tier |
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| ROA |
1.1%
+91.2% YoY+0.9% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.1%
+5.6% YoY-1.0% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
70.8%
-8.2% YoY-0.3% QoQ
|
-6.2% |
77.0%
-3.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
1.0%
-1.1% YoY-49.1% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
98.9%
-1.0% YoY-4.1% QoQ
|
+26.6% |
72.2%
-1.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
Top 3.2% in tier |
| AMR |
$35,719
+14.5% YoY+0.7% QoQ
|
+$11K |
$24,676
+3.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Top 8.4% in tier |
| CD Concentration |
41.6%
+2.9% YoY-2.9% QoQ
|
+17.2% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)