BlastPoint's Credit Union Scorecard
OAHE
Charter #10243 · SD
OAHE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.99% above tier average
- + Net Interest Margin 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 5.7% in tier
- + Deposit Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,587
+1.2% YoY-0.6% QoQ
|
+961 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$43.5M
+11.8% YoY+1.6% QoQ
|
+$13.6M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$24.0M
+3.8% YoY+2.6% QoQ
|
+$8.2M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$36.4M
+11.6% YoY+1.3% QoQ
|
+$11.0M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
72% |
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| ROA |
1.7%
-27.8% YoY-3.0% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
4.3%
-9.0% YoY-1.1% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
61.2%
+9.3% YoY-0.2% QoQ
|
-20.2% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.9%
+83.9% YoY+9.3% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
58% |
| Loan To Share |
65.7%
-7.0% YoY+1.2% QoQ
|
+4.5% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$16,833
+7.1% YoY+2.4% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
67% |
| CD Concentration |
16.9%
+52.7% YoY+1.2% QoQ
|
-7.5% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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)