Federal credit union · Papillion, Nebraska · NCUA charter #24917
COBALT
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $1.32B
- Total assets
- 116,118
- Members
- 8.9%
- Net-worth ratio
COBALT scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.32B; members 116,118; net-worth ratio 8.95%; health rank #3,363 of 4,374; healthier than 23rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,363 of 4,374 health · 2025Q4COBALT · health 74/100 · $1.32B · 2025Q4
Call Report peers
COBALT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COBALT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COBALT sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
COBALT: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 92.86% vs peer 83.90% (+8.96 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.23 pp (8.95% vs 11.18%).
COBALT in Nebraska
- Nebraska health ordinal: #39 of 50.
- Assets rank #2 of 50 inside Nebraska ($1.32B reported).
- Membership ranks #2 of 50 among Nebraska CUs with a reported count (116,118 members).
- One place up in Nebraska, Midwest Liberty (#38) ties at 74/100; one place down, Electrical Workers No 22 (#40) ties at 74/100.
COBALT: 2025Q4 → 2026Q1
COBALT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $1.32B (2025Q4) to $1.33B (2026Q1).
- Net-worth ratio shifted +0.13 pp (8.82% → 8.95%).
This credit union's 8.95% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
COBALT gives up 26 points in total. Return on Assets costs the most, 11 of its 15; Loan-to-Share Ratio loses the least, 1.3.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 21.6 pts
- Return on Assets 4.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 13.5 pts
COBALT health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.95% | -2.23 pp |
| Delinquency Rate | 0.84% | -0.04 pp |
| Return on Assets | -0.06% | -0.56 pp |
| Member Growth | -0.81% | - |
| Loan-to-Share Ratio | 92.86% | +8.96 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.33B | - |
| 2025Q4 | $1.32B | 116,118 |
| 2024Q4 | $1.33B | 117,061 |
| 2023Q4 | $1.28B | 116,076 |
Credit Union Details
- Charter Number
- 24917
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Nebraska
- City
- Papillion
- Data Quarter
- 2025Q4
Branch Locations (19)
COBALT operates 19 offices across 10 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Papillion, NE |
| Bellevue Branch | Bellevue, NE |
| Blair Family Fare | Blair, NE |
| Council Bluffs Super Saver Branch | Council Bluffs, IA |
| Gretna Branch | Gretna, NE |
| Lincoln Traditional | Lincoln, NE |
| Base Exchange (BX) Branch | Offutt AFB, NE |
| Millard Branch | Omaha, NE |
| Maple Branch | Omaha, NE |
| South Omaha Branch | Omaha, NE |
| Mid-Town HyVee Branch | Omaha, NE |
| 31ST AMES | OMAHA, NE |
| 36Th & Q No Frills Branch | Omaha, NE |
| Old Market Branch | Omaha, NE |
| Cass Court | Omaha, NE |
| Dodge Branch | Omaha, NE |
| Shadow Lake HyVee Branch | Papillion, NE |
| Papillion Branch | Papillion, NE |
| Plattsmouth Branch | Plattsmouth, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Cross-state Call Report peers for COBALT
Similar total assets
Using this data
- COBALT ranks #3,363 of 4,374 nationally on financial health and #39 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CENTRIS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CENTRIS
Frequently Asked Questions
Is COBALT financially healthy?
COBALT has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,363 of 4,374 nationally on health and #39 of 50 in Nebraska. Its net worth ratio is 8.95% and its delinquency rate 0.84%.
How does COBALT compare to other credit unions?
COBALT scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.86% vs 83.90%). Its widest shortfall is net worth ratio (8.95% vs 11.18%).
How can I join COBALT?
COBALT 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 COBALT directly for the exact boundaries and application steps.
Is my money safe at COBALT?
COBALT is a federal credit union; its shares are federally 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. COBALT's net worth ratio of 8.95% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.