BlastPoint's Credit Union Scorecard
SENTINEL
Charter #10257 · SD
SENTINEL has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.1% in tier
- + Organic Growth Leader: Top 12.0% in tier
- + Relationship Depth Leader: Top 41.8% in tier
- + Emerging Performer: Top 47.9% in tier
- + Wallet Share Momentum: Top 80.8% in tier
- + ROA 0.27% above tier average
- + Net Interest Margin 0.56% above tier average
- + Asset Growth Rate: Top 6.3% in tier
- + Deposit Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 1.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,798
+3.2% YoY+0.8% QoQ
|
-5.8K |
15,628
-3.4% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$193.2M
+11.9% YoY+1.6% QoQ
|
$-38.1M |
$231.3M
-0.0% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
49% |
| Loans |
$114.4M
+5.9% YoY+2.5% QoQ
|
$-33.4M |
$147.8M
-1.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$170.7M
+11.7% YoY+1.5% QoQ
|
$-29.6M |
$200.3M
-0.0% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
50% |
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| ROA |
1.1%
+14.9% YoY-14.2% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.1%
+7.3% YoY+0.8% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
76.1%
-3.0% YoY+2.3% QoQ
|
-1.1% |
77.3%
-3.0% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.8%
-16.3% YoY-40.3% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
67.0%
-5.2% YoY+1.0% QoQ
|
-5.7% |
72.7%
-1.5% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$29,095
+5.8% YoY+1.1% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
25.8%
+9.7% YoY+4.5% QoQ
|
+1.3% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
6.6%
+47.1% YoY+9.0% QoQ
|
-7.4% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)