BlastPoint's Credit Union Scorecard
METRO CU
Charter #7091 · NE
METRO CU has 6 strengths but faces 1 concern
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How does NE stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 32.4% in tier
- + Organic Growth Engine: Top 40.4% in tier
- + Organic Growth Leader: Top 79.5% in tier
- + ROA 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,368
+1.2% YoY+1.1% QoQ
|
+5.8K |
38,575
-4.8% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$617.0M
+6.4% YoY+2.2% QoQ
|
$-4.7M |
$621.7M
+0.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$414.6M
+17.7% YoY+8.2% QoQ
|
$-15.2M |
$429.8M
-1.8% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
42% |
| Deposits |
$527.4M
+5.6% YoY+2.1% QoQ
|
$-11.3M |
$538.7M
+0.6% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
1.2%
+41.9% YoY+4.0% QoQ
|
+0.5% |
0.7%
+42.9% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Top 12.7% in tier |
| NIM |
3.4%
+1.6% YoY-1.1% QoQ
|
-0.0% |
3.4%
+8.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
49% |
| Efficiency Ratio |
72.9%
-4.0% YoY+3.0% QoQ
|
-4.6% |
77.5%
-4.1% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.3%
-33.2% YoY+7.0% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.3% in tier |
| Loan To Share |
78.6%
+11.5% YoY+6.0% QoQ
|
-1.2% |
79.8%
-2.3% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$21,231
+9.3% YoY+3.6% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
19% |
| CD Concentration |
38.6%
+9.5% YoY+0.7% QoQ
|
+14.2% | 24.4% | 22.3% | 19.8% | Top 9.3% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | Bottom 0.0% 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 (<20%). 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)