BlastPoint's Credit Union Scorecard
METRO CU
Charter #7091 · NE
METRO CU has 6 strengths but faces 1 concern
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.6% in tier
- + Organic Growth Engine: Top 24.1% in tier
- + Organic Growth Leader: Top 24.1% in tier
- + ROA 0.44% above tier average
- + Loan Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
44,832
+2.6% YoY+1.0% QoQ
|
+6.8K |
38,079
-4.8% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$642.7M
+7.4% YoY+4.2% QoQ
|
+$23.0M |
$619.7M
-0.2% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
60% |
| Loans |
$438.7M
+26.2% YoY+5.8% QoQ
|
+$19.4M |
$419.3M
-1.4% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
55% |
| Deposits |
$551.4M
+7.2% YoY+4.6% QoQ
|
+$11.9M |
$539.5M
-0.1% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
1.1%
+12.5% YoY-6.0% QoQ
|
+0.4% |
0.7%
+36.0% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
81% |
| NIM |
3.2%
-6.4% YoY-6.0% QoQ
|
-0.2% |
3.5%
+4.5% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
69.5%
-4.3% YoY-4.7% QoQ
|
-8.9% |
78.4%
-3.7% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.2%
-28.7% YoY-31.1% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
Top 12.0% in tier |
| Loan To Share |
79.6%
+17.7% YoY+1.2% QoQ
|
+1.9% |
77.7%
-1.2% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$22,084
+11.9% YoY+4.0% QoQ
|
$-5K |
$26,927
+3.1% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
38.2%
+9.2% YoY-1.1% QoQ
|
+13.9% | 24.3% | 22.1% | 19.8% | Top 9.0% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.5% | 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)