BlastPoint's Credit Union Scorecard
METRO CU
Charter #7091 · NE
METRO CU has 6 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does NE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.2% in tier
- + Organic Growth Engine: Top 15.2% in tier
- + Organic Growth Leader: Top 15.2% in tier
- + ROA 0.34% above tier average
- + Loan Growth Rate: Top 1.8% in tier
- + AMR Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 4.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Nebraska.
- Shares and deposits +6.6% year over year ($551M in shares and deposits).
- Membership: 45,352 members, +3.8% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 1.15%.
- Efficiency ratio 69.73% vs a 76.56% peer average.
- Loan-to-share ratio 84.81% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,352
+3.8% YoY+1.2% QoQ
|
+7.5K |
37,897
-5.0% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$646.3M
+7.2% YoY+0.6% QoQ
|
+$24.0M |
$622.4M
+0.6% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$467.7M
+30.7% YoY+6.6% QoQ
|
+$39.2M |
$428.5M
-0.7% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
65% |
| Deposits |
$551.5M
+6.6% YoY+0.0% QoQ
|
+$11.7M |
$539.8M
+0.9% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
1.2%
+0.2% YoY+1.9% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
3.3%
-5.3% YoY+1.4% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
69.7%
-1.2% YoY+0.3% QoQ
|
-6.8% |
76.6%
-3.6% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
0.2%
-25.2% YoY+18.2% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
Top 10.3% in tier |
| Loan To Share |
84.8%
+22.6% YoY+6.6% QoQ
|
+5.5% |
79.3%
-1.4% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$22,474
+12.2% YoY+1.8% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
39.3%
+8.2% YoY+3.0% QoQ
|
+14.8% | 24.6% | 22.2% | 20.0% | Top 8.2% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 5.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)