Cobalt Credit Union

Company typePrivate
Founded1946
HeadquartersPapillion, United States
Headcount251–500
GTM typeB2C
OfferingServices

What Cobalt Credit Union does

Cobalt Credit Union is a member-owned, non-profit financial cooperative headquartered in Papillion, Nebraska. Founded in 1946, the institution has operated as a community credit union for more than 78 years and employs between 251 and 500 people. Its self-described mandate is to provide banking, financial education, and retirement planning services with an emphasis on safety and convenience, indicating a full-service retail/community financial institution rather than a specialty lender or digital-only neobank.

The credit union's product surface spans traditional banking (deposits, lending), financial education, and retirement planning — a typical community credit union suite designed to serve retail members and households rather than corporate or institutional clients. As a non-profit cooperative, surplus earnings are retained for the benefit of members in the form of competitive rates, reduced fees, and reinvestment into services, rather than distributed to outside shareholders. This member-owned structure is a defining feature of the institution's governance and operating model.

Source data on operational scale, branch network, asset size, membership count, technology stack, and leadership is absent. The corporate website (cobaltcu.com) returned only a loader/CAPTCHA page during data collection, and no supplementary disclosures on financial performance, product roadmap, or strategic initiatives are available in the provided material. As a result, any sub-firmographic assessment — including revenue, AI capability, and expansion trajectory — carries low evidentiary support and should be treated accordingly.

Cobalt Credit Union firmographics

Firmographics

Name: Cobalt Credit Union
Website: https://cobaltcu.com
Company type: Private
Founded year: 1946
Headcount range: 251–500 employees
Ownership category
akta.pro rank

Cobalt Credit Union industry classification

Industry

Product category: Retail Banking
NAICS: Credit Unions (52213)
SIC: Federal & Federally-Sponsored Credit Agencies (6111)
akta.pro primary industry: Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

Retail banking
Credit union services
Consumer lending
Retirement planning
Financial education

Where Cobalt Credit Union is headquartered

Location

Headquarters

HQ city: Papillion
HQ country: United States
HQ region: North America

Markets served

Cobalt Credit Union business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Cobalt Credit Union product offering

Product offering

Core offering

Cobalt Credit Union is a member-owned, non-profit financial cooperative that provides personal banking, lending, financial education, and retirement planning services to its members. Founded in 1946 and headquartered in Papillion, Nebraska, it serves individual consumers with safety and convenience as core service principles.

Differentiator

Problem solved

Functional benefit

Products and services

Personal Banking Services

Companies that use Cobalt Credit Union

Customer profile

Ideal customer profiles1 record

Cobalt Credit Union technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Cobalt Credit Union competitors and assessment

Company assessment

Direct peers

Alliant Credit Union: Large U.S. credit union serving a broad membership base nationwide with full retail banking, lending, and wealth services; directly comparable as a multi-state community/membership-based credit union with similar product breadth to Cobalt.
PenFed (Pentagon Federal Credit Union): National credit union offering consumer banking, mortgages, auto loans, and credit cards; directly comparable in product mix to Cobalt and competes for similar retail-member relationships.
BECU (Boeing Employees Credit Union): Washington-state based community/membership credit union with retail banking, mortgage, and small-business services; comparable in operating model and diversified member financial services to Cobalt.
SchoolsFirst Federal Credit Union: Occupational credit union serving a defined membership group with retail banking, lending, and retirement/education planning; closely comparable to Cobalt's stated focus on education and retirement planning.
Connexus Credit Union: Mid-sized national credit union with online-first banking plus retail branches, mortgages, and consumer lending; comparable in scale and product breadth to a community credit union like Cobalt.

Broad incumbents

Navy Federal Credit Union: The largest U.S. credit union, serving military members and families with full banking, lending, and investment products; a comparable credit-union model with substantially greater scale and geographic reach than Cobalt.
Security National Bank (Omaha): Regional commercial bank headquartered in Omaha offering consumer and business banking; competes for similar Omaha-metro deposit and lending relationships as Cobalt.
Charles Schwab Bank: Large FDIC-insured bank offering deposits, lending, and integrated wealth/retirement planning; relevant comparable for the retirement-planning-adjacent services Cobalt emphasizes.

Regional players

Great Plains Federal Credit Union: Regional credit union serving Nebraska and surrounding Plains states with retail banking and lending; directly comparable to Cobalt's Midwest geographic anchor and community-credit-union focus.
Liberty First Credit Union: Nebraska-headquartered credit union offering retail banking, mortgages, and consumer lending; competes with Cobalt in the same Papillion/Omaha-adjacent market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Cobalt Credit Union financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Cobalt Credit Union leadership team

Management profile

Number of profiles

Cobalt Credit Union funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Cobalt Credit Union M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Cobalt Credit Union

What does Cobalt Credit Union do?

When was Cobalt Credit Union founded?

Cobalt Credit Union was founded in 1946. It employs 251 to 500 people.

Where is Cobalt Credit Union based?

Cobalt Credit Union is headquartered in Papillion, United States, in the North America region.

Who are Cobalt Credit Union's main competitors?

Direct peers on record are Alliant Credit Union, PenFed (Pentagon Federal Credit Union), BECU (Boeing Employees Credit Union), SchoolsFirst Federal Credit Union and Connexus Credit Union. Broad incumbents are Navy Federal Credit Union, Security National Bank (Omaha) and Charles Schwab Bank. Regional players are Great Plains Federal Credit Union and Liberty First Credit Union.

Does Cobalt Credit Union have an API?

No public API is recorded for Cobalt Credit Union.

What industry is Cobalt Credit Union in?

Cobalt Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6111.