Cobalt
Papillion, NE · Charter 24917 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
$1.3BAssets
$1.1BLoans
$1.1BShares
$121.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 99% of credit unions $1B-$10B in assets (rank 4 of 435).
- Widest gap: equity / assets trails 87% of credit unions $1B-$10B in assets (rank 377 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.87%
Rank 191 of 435
Net Interest Margin
4.77%
Rank 4 of 435
Efficiency Ratio
69.50%
Rank 182 of 435
Equity / Assets
9.15%
Rank 377 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.87% | 0.55% | 0.81% | 1.14% | Beats 56% | 191 / 435 | | |
| Return on Equity | 9.56% | 5.12% | 7.41% | 9.70% | Beats 73% | 116 / 435 | | |
| Net Interest Margin | 4.77% | 3.01% | 3.39% | 3.75% | Beats 99% | 4 / 435 | | |
| Efficiency Ratio | 69.50% | 65.25% | 71.39% | 77.86% | Beats 58% | 182 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.45% | 0.69% | 1.05% | Beats 41% | 259 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.15% | 9.81% | 10.84% | 12.63% | Beats 13% | 377 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.15% | 9.81% | 10.84% | 12.63% | Beats 13% | 377 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.65% | 78.33% | 88.38% | 95.61% | 72nd pctl | 121 / 435 | | |
| Loans / Assets | 81.65% | 67.69% | 74.58% | 80.80% | 80th pctl | 86 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |