BlastPoint's Credit Union Scorecard

EDDYVILLE COOPERATIVE

Charter #66274 · NE

<100M
2508 CUs in <100M nationally 34 in NE

EDDYVILLE COOPERATIVE has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.78% above tier average
  • + Net Interest Margin 3.16% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.1% in tier
  • + AMR Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -14.4% YoY
  • - Total Members: Bottom 1.7% in tier
  • - Member Growth Rate: Bottom 3.2% in tier
  • - Members Per Employee (MPE): Bottom 4.0% in tier
  • - Total Deposits: Bottom 8.6% in tier
  • - Total Assets: Bottom 8.7% in tier
  • - Total Loans: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Members 107
-14.4% YoY-5.3% QoQ
-2.6K 2,676
+1.6% YoY
11,118
+0.3% YoY
33,913
+5.7% YoY
Bottom 1.6% in tier
Assets $1.8M
-0.1% YoY+7.7% QoQ
$-28.4M $30.2M
+1.3% YoY
$139.9M
+5.0% YoY
$578.3M
+9.0% YoY
Bottom 8.7% in tier
Loans $625,687
-6.9% YoY-21.1% QoQ
$-14.7M $15.3M
-2.0% YoY
$100.8M
+9.2% YoY
$402.4M
+8.7% YoY
Bottom 8.9% in tier
Deposits $1.4M
-1.1% YoY+10.3% QoQ
$-24.4M $25.8M
+0.7% YoY
$120.0M
+4.5% YoY
$494.3M
+9.1% YoY
Bottom 8.5% in tier

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 2.9%
+27.8% YoY+2655.0% QoQ
+2.8% 0.1%
-77.6% YoY
0.5%
+30.6% YoY
0.4%
-39.2% YoY
Top 2.3% in tier
NIM 7.2%
-0.0% YoY+19.2% QoQ
+3.2% 4.0%
+4.0% YoY
4.1%
+5.7% YoY
3.8%
+4.1% YoY
Top 1.1% in tier
Efficiency Ratio 61.2%
-9.8% YoY-37.0% QoQ
-29.4% 90.6%
+6.5% YoY
81.5%
-7.1% YoY
84.6%
+2.8% YoY
Top 13.4% in tier
Delinquency Rate 0.0% -1.5 1.5%
+3.8% YoY
1.1%
+31.3% YoY
1.2%
+3.4% YoY
Top 0.1% in tier
Loan To Share 44.1%
-5.9% YoY-28.5% QoQ
-14.4% 58.5%
-3.0% YoY
68.2%
-0.4% YoY
65.6%
-1.4% YoY
27%
AMR $19,118
+13.4% YoY+3.8% QoQ
+$4K $14,884
-1.7% YoY
$17,286
+1.1% YoY
$19,920
+1.6% YoY
74%
CD Concentration 16.6%
+3.4% YoY-8.8% QoQ
-7.7% 24.3% 22.1% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.5% 7.7% 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 2508 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Median: 0.65%
#1 of 2508 Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
28
Net Interest Margin (NIM)
profitability
Value: 7.17%
Peer Median: 3.83%
#28 of 2508 Top 1.1% in <100M tier
58
Return on Assets (ROA)
profitability
Value: 2.93%
Peer Median: 0.61%
#58 of 2508 Top 2.3% in <100M tier
137
AMR Growth Rate
growth
Value: 13.37%
Peer Median: 1.27%
#137 of 2508 Top 5.4% in <100M tier
336
Efficiency Ratio
profitability
Value: 61.19%
Peer Median: 81.45%
#336 of 2508 Top 13.4% in <100M tier
430
Net Worth Ratio
risk
Value: 21.78%
Peer Median: 14.28%
#430 of 2508 Top 17.1% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (6 metrics)

2467
Total Members
engagement
Value: 107
Peer Median: 1,918
#2467 of 2508 Bottom 1.7% in <100M tier
2429
Member Growth Rate
growth
Value: -14.40%
Peer Median: -1.37%
#2429 of 2508 Bottom 3.2% in <100M tier
2408
Members Per Employee (MPE)
engagement
Value: 53.500
Peer Median: 333.750
#2408 of 2508 Bottom 4.0% in <100M tier
2294
Total Deposits
balance_sheet
Value: $1.42M
Peer Median: $18.77M
#2294 of 2508 Bottom 8.6% in <100M tier
2290
Total Assets
balance_sheet
Value: $1.84M
Peer Median: $21.86M
#2290 of 2508 Bottom 8.7% in <100M tier
2284
Total Loans
balance_sheet
Value: $625,687
Peer Median: $9.48M
#2284 of 2508 Bottom 9.0% in <100M tier
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