BlastPoint's Credit Union Scorecard
OAHE
Charter #10243 · SD
OAHE has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits +4.5% year over year ($37.6M in shares and deposits).
- Membership: 3,492 members, -3.2% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 1.54%.
- Efficiency ratio 62.48% vs a 88.77% peer average.
- Loan-to-share ratio 60.07% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,492
-3.2% YoY-2.0% QoQ
|
+906 |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$45.1M
+5.5% YoY+0.2% QoQ
|
+$14.8M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$22.6M
-3.4% YoY-1.2% QoQ
|
+$7.1M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$37.6M
+4.5% YoY-0.3% QoQ
|
+$11.8M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
1.5%
-10.6% YoY+7.3% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
80% |
| NIM |
4.1%
-6.3% YoY+0.6% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
62.5%
+1.9% YoY-7.2% QoQ
|
-26.3% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
1.0%
+26.9% YoY+40.0% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
60.1%
-7.5% YoY-0.9% QoQ
|
+1.2% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$17,217
+4.7% YoY+1.4% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
19.1%
+14.2% YoY-2.9% QoQ
|
-5.4% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)