Credit unions · Nebraska · Q2 2026
Cobalt Credit Union AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $1.33B |
| Total loans & leases | $1.09B |
| Total shares & deposits | $1.15B |
| Members | 115,100 |
| Net worth | $122M |
| Net worth / assets | 9.15% |
| Loans / assets | 81.65% |
| Return on assets (annualized) | 0.87% |
| Loan growth (YoY) | 9.12% |
| Member growth (YoY) | −1.28% |
| Delinquency, all loans (60+ days) | 0.80% |
| Charter | Federal charter |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Community |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
Cobalt Credit Union partners with Upstart's AI lending marketplace to originate personal, HELOC and auto refinance loans referred against Cobalt's credit policies, so AI shapes decisions inside its lending process. It has also deployed Eltropy's AI Voice assistant, integrated with its core system, to handle routine member calls.
- Upstart, Cobalt Credit Union Partner to Expand Digital Lending, AI-Powered Loan Solutions “qualified loan applicants on Upstart.com who align with Cobalt's credit policies will receive customized offers and seamlessly transition into a Cobalt-branded online application”
- cobalt credit union deploys eltropy ai voice achieving 83 session containment rate “Cobalt is among the first DNA core system clients to implement the solution, demonstrating how conversational AI can deliver 24/7 member support”