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
- + Credit Quality Leader: Top 65.5% in tier
- + Wallet Share Momentum: Top 84.8% in tier
- + Profitability Leader: Top 89.1% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,893
-0.2% YoY+0.4% QoQ
|
+4.1K |
39,752
-2.7% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$604.0M
+3.4% YoY+0.2% QoQ
|
$-18.4M |
$622.4M
+0.3% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$383.1M
+10.3% YoY+7.0% QoQ
|
$-52.8M |
$435.9M
-0.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$516.3M
+2.1% YoY-0.2% QoQ
|
$-21.7M |
$538.0M
+1.3% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
1.2%
+32.8% YoY+0.6% QoQ
|
+0.5% |
0.7%
+33.9% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Top 14.8% in tier |
| NIM |
3.5%
+5.5% YoY+0.4% QoQ
|
+0.0% |
3.4%
+8.6% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
70.8%
-5.7% YoY+0.3% QoQ
|
-7.3% |
78.1%
-3.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.3%
-37.4% YoY-14.2% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
74.2%
+8.1% YoY+7.3% QoQ
|
-6.8% |
81.0%
-1.8% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$20,491
+5.7% YoY+2.3% QoQ
|
$-6K |
$26,482
+2.6% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
38.3%
+5.2% YoY+5.4% QoQ
|
+13.9% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Top 10.0% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)