Federal credit union · ALLIANCE, Nebraska · NCUA charter #4176
Box Butte Public Employees
Health score 40/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $8.6M
- Total assets
- 653
- Members
- 3.2%
- Net-worth ratio
Box Butte Public Employees - Share Insurance Coverage
Charter #4176's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Box Butte Public Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)27
- Asset quality (delinquency)37
- Earnings (ROA)0
- Member growth61
- Liquidity (loan-to-share)92
Weighted composite: 40/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 3.20% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.20% | 30% |
| Delinquency Rate | 2.52% | 25% |
| Return on Assets | -0.86% | 15% |
| Member Growth | 0.15% | 15% |
| Loan-to-Share Ratio | 64.70% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $8.6M | 653 |
| 2024Q4 | $8.1M | 652 |
| 2023Q4 | $6.9M | 625 |
Credit Union Details
- Charter Number
- 4176
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Nebraska
- City
- ALLIANCE
- Data Quarter
- 2025Q4
What This Data Says About Box Butte Public Employees
Charter #4176, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Box Butte Public Employees, a federal credit union in ALLIANCE, Nebraska with 653 members, $8.6M in total assets, and $5.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 40/100 (Below Average), helped by a net worth ratio of 3.20% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 2.52% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. The loan-to-share ratio of 64.70% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.86% on net income of $-73865 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.15%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Box Butte Public Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Box Butte Public Employees carries a financial health score of 40/100 (Below Average). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 3.20% net worth ratio and a 2.52% delinquency rate.
How does Box Butte Public Employees compare to other credit unions?
On PlainCU's health composite, Box Butte Public Employees lands at 40/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Box Butte Public Employees?
Box Butte Public Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Box Butte Public Employees directly for the exact boundaries and application steps.
Is my money safe at Box Butte Public Employees?
Federal credit unions like Box Butte Public Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Box Butte Public Employees's net worth ratio of 3.20% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Box Butte Public Employees offer compared to banks?
Credit unions like Box Butte Public Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Box Butte Public Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.