BlastPoint's Credit Union Scorecard

EDDYVILLE COOPERATIVE

Charter #66274 · NE

2556 CUs in <100M nationally 34 in NE

EDDYVILLE COOPERATIVE has 7 strengths but faces 9 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

  • + Net Interest Margin 2.06% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + AMR Growth Rate: Top 2.3% in tier
  • + Loan Growth Rate: Top 6.0% in tier
  • + Net Charge-Off Rate: Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.51% below tier average
  • - Efficiency ratio 14.63% above tier (higher cost structure)
  • - Member decline: -11.0% YoY
  • - Total Members: Bottom 1.8% in tier
  • - Members Per Employee (MPE): Bottom 4.1% in tier
  • - Member Growth Rate: Bottom 4.6% in tier
  • - Total Assets: Bottom 8.1% in tier
  • - Total Deposits: Bottom 8.3% in tier
  • - Total Loans: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 113
-11.0% YoY-2.6% QoQ
 -2.5K 2,615
-1.9% YoY
 11,118
+2.3% YoY
 33,374
+5.7% YoY
 Bottom 1.7% in tier
Assets $1.7M
+3.2% YoY-2.6% QoQ
 $-28.4M $30.1M
+2.1% YoY
 $137.3M
+7.4% YoY
 $561.6M
+9.7% YoY
 Bottom 8.1% in tier
Loans $793,032
+14.8% YoY+16.3% QoQ
 $-15.0M $15.8M
-1.3% YoY
 $99.6M
+9.6% YoY
 $397.0M
+8.8% YoY
 Bottom 9.5% in tier
Deposits $1.3M
+2.6% YoY-3.4% QoQ
 $-24.4M $25.7M
+1.4% YoY
 $116.6M
+5.9% YoY
 $477.3M
+9.7% YoY
 Bottom 8.3% 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 0.1%
-91.5% YoY-83.9% QoQ
 -0.5% 0.6%
+10.8% YoY
 0.6%
+50.8% YoY
 0.7%
+15.9% YoY
 21%
NIM 6.0%
-13.6% YoY+9.0% QoQ
 +2.1% 4.0%
+4.0% YoY
 4.0%
+10.2% YoY
 3.8%
+5.1% YoY
 Top 3.8% in tier
Efficiency Ratio 97.2%
+19.3% YoY+11.2% QoQ
 +14.6% 82.6%
-2.3% YoY
 81.4%
-6.7% YoY
 79.7%
-3.3% YoY
 Top 14.5% in tier
Delinquency Rate 0.0%
-100.0% YoY-100.0% QoQ
 -1.6 1.6%
-3.1% YoY
 1.1%
-6.1% YoY
 1.3%
-2.1% YoY
 Bottom 0.0% in tier
Loan To Share 61.6%
+11.9% YoY+20.5% QoQ
 +1.0% 60.6%
-3.1% YoY
 70.8%
+0.1% YoY
 67.4%
-1.7% YoY
 51%
AMR $18,410
+20.2% YoY+6.0% QoQ
 +$4K $14,783
-1.4% YoY
 $17,066
+1.6% YoY
 $19,687
+2.0% YoY
 72%
CD Concentration 18.2%
-0.4% YoY+4.1% QoQ
 -6.3% 24.4% 22.3% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.6% 7.8% 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 2556 peers in tier

Top Strengths (8 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
61
AMR Growth Rate
growth
Value: 20.23%
Peer Median: -
#61 of 2556 Top 2.3% in <100M tier
97
Net Interest Margin (NIM)
profitability
Value: 6.02%
Peer Median: -
#97 of 2556 Top 3.8% in <100M tier
155
Loan Growth Rate
growth
Value: 14.83%
Peer Median: -
#155 of 2556 Top 6.0% in <100M tier
208
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: -
#208 of 2556 Top 8.1% in <100M tier
386
Net Worth Ratio
risk
Value: 22.67%
Peer Median: -
#386 of 2556 Top 15.1% in <100M tier

Top Weaknesses (8 metrics)

2512
Total Members
engagement
Value: 113
Peer Median: -
#2512 of 2556 Bottom 1.8% in <100M tier
2452
Members Per Employee (MPE)
engagement
Value: 56.500
Peer Median: -
#2452 of 2556 Bottom 4.1% in <100M tier
2439
Member Growth Rate
growth
Value: -11.02%
Peer Median: -
#2439 of 2556 Bottom 4.6% in <100M tier
2349
Total Assets
balance_sheet
Value: $1.70M
Peer Median: -
#2349 of 2556 Bottom 8.1% in <100M tier
2344
Total Deposits
balance_sheet
Value: $1.29M
Peer Median: -
#2344 of 2556 Bottom 8.3% in <100M tier
2314
Total Loans
balance_sheet
Value: $793,032
Peer Median: -
#2314 of 2556 Bottom 9.5% in <100M tier
2187
Efficiency Ratio
profitability
Value: 97.19%
Peer Median: -
#2187 of 2556 Bottom 14.5% in <100M tier
2025
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Median: -
#2025 of 2556 Bottom 20.8% in <100M tier
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