BlastPoint's Credit Union Scorecard
EDDYVILLE COOPERATIVE
Charter #66274 · NE
EDDYVILLE COOPERATIVE has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - Efficiency ratio 6.05% above tier (higher cost structure)
- - Delinquency rate 5.09% above tier average
- - Member decline: -10.1% YoY
- - Total Members: Bottom 2.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 4.1% in tier
- - Member Growth Rate: Bottom 5.7% in tier
- - Loan Growth Rate: Bottom 7.5% in tier
- - Total Deposits: Bottom 8.6% in tier
- - Total Assets: Bottom 8.7% in tier
- - Total Loans: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116
-10.1% YoY-5.7% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
Bottom 1.9% in tier |
| Assets |
$1.7M
+4.8% YoY-2.0% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.6% in tier |
| Loans |
$681,654
-18.5% YoY-7.5% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.2% in tier |
| Deposits |
$1.3M
+4.4% YoY-3.5% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.6% in tier |
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| ROA |
0.7%
-57.2% YoY-20.3% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
5.5%
-13.3% YoY+0.6% QoQ
|
+1.6% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
87.4%
+15.9% YoY+4.0% QoQ
|
+6.0% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
6.6%
+13.5% YoY
|
+5.1 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
Top 3.9% in tier |
| Loan To Share |
51.1%
-21.9% YoY-4.2% QoQ
|
-10.1% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
34% |
| AMR |
$17,367
+6.0% YoY+0.8% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
69% |
| CD Concentration |
17.4%
-2.0% YoY+4.2% QoQ
|
-7.0% |
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 (0)
Concerns (0)
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)