BlastPoint's Credit Union Scorecard
OAHE
Charter #10243 · SD
OAHE demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.06% above tier average
- + Net Interest Margin 0.28% above tier average
- + Asset Growth Rate: Top 4.7% in tier
- + Deposit Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,598
+0.6% YoY+0.3% QoQ
|
+982 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$44.3M
+13.2% YoY+2.0% QoQ
|
+$14.2M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$23.7M
+3.6% YoY-1.2% QoQ
|
+$7.9M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$37.1M
+13.4% YoY+1.9% QoQ
|
+$11.4M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
1.7%
-27.2% YoY+0.6% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Top 11.9% in tier |
| NIM |
4.2%
-11.3% YoY-0.9% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
60.5%
+7.0% YoY-1.1% QoQ
|
-22.1% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
0.9%
+128.2% YoY+2.9% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
63.7%
-8.7% YoY-3.1% QoQ
|
+3.1% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$16,894
+8.7% YoY+0.4% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
20.2%
+65.6% YoY+19.4% QoQ
|
-4.2% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)