BlastPoint's Credit Union Scorecard

SENTINEL

Charter #10257 · SD

100M-500M

1070 CUs in 100M-500M nationally 9 in SD

SENTINEL has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.56% above tier average
+ Loan Growth Rate: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.16% below tier average
- Efficiency ratio 5.58% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 0.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	9,857 +3.1% YoY+0.2% QoQ	-5.3K	15,145 -2.5% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	32%
Assets	$197.0M +2.3% YoY-0.1% QoQ	$-34.7M	$231.7M +0.8% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	50%
Loans	$126.2M +17.0% YoY+4.1% QoQ	$-17.9M	$144.1M +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	52%
Deposits	$174.2M +1.6% YoY-0.1% QoQ	$-26.9M	$201.1M +0.4% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	51%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -60.7% YoY-42.5% QoQ	-0.2%	0.7% +5.1% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	40%
NIM	4.2% +2.2% YoY+0.9% QoQ	+0.6%	3.6% +4.6% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	82%
Efficiency Ratio	83.6% +14.5% YoY+8.9% QoQ	+5.6%	78.0% -1.7% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	0.3% -55.7% YoY-25.9% QoQ	-0.4	0.8% +7.1% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	25%
Loan To Share	72.5% +15.1% YoY+4.3% QoQ	+2.0%	70.4% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	51%
AMR	$30,479 +4.3% YoY+1.4% QoQ	+$6K	$24,918 +2.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	82%
CD Concentration	27.4% +18.7% YoY+6.1% QoQ	+3.2%	24.3%	28.7%	19.8%	50%
Indirect Auto %	7.5% +41.5% YoY+4.8% QoQ	-6.3%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#152 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 7.49%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#152 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.33%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.6K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Organic Growth Engine

growth

#271 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.56%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 7.49%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#139 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.56%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 3.09%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Cost Spiral

risk

#49 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.56% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 61.08%

(Tier: 60.69%, National: 64.04%)

worse than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Efficiency Drag

risk

#539 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.60%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.87% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 3.09%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 16.95%

Peer Median: 2.93%

#53 of 1070 Top 4.9% in 100M-500M tier

191

Average Member Relationship (AMR)

engagement

Value: $30,479

Peer Median: $22,931

#191 of 1070 Top 17.8% in 100M-500M tier

196

Net Interest Margin (NIM)

profitability

Value: 4.19%

Peer Median: 3.62%

#196 of 1070 Top 18.2% in 100M-500M tier

202

Loan-to-Member Ratio (LMR)

engagement

Value: $12,806

Peer Median: $9,356

#202 of 1070 Top 18.8% in 100M-500M tier

208

Member Growth Rate

growth

Value: 3.09%

Peer Median: -0.06%

#208 of 1070 Top 19.3% in 100M-500M tier

220

First Mortgage Concentration (%)

balance_sheet

Value: 14.96%

Peer Median: 29.47%

#220 of 1070 Top 20.5% in 100M-500M tier

268

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.61%

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (1 metrics)

1061

Members Per Employee (MPE)

engagement

Value: 164.283

Peer Median: 309.176

#1061 of 1070 Bottom 0.9% in 100M-500M tier