BlastPoint's Credit Union Scorecard

SENTINEL

Charter #10257 · SD

100M-500M

1069 CUs in 100M-500M nationally 9 in SD

SENTINEL has 6 strengths but faces 1 concern

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 Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.22% above tier average
+ Net Interest Margin 0.54% above tier average

Key Concerns

Areas that may need attention

- Members Per Employee (MPE): Bottom 1.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	9,834 +3.2% YoY+0.4% QoQ	-5.6K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	30%
Assets	$197.2M +4.3% YoY+2.1% QoQ	$-34.6M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	50%
Loans	$121.2M +12.0% YoY+5.9% QoQ	$-26.1M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	48%
Deposits	$174.5M +3.3% YoY+2.2% QoQ	$-26.4M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% YoY	51%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +1.3% YoY-7.3% QoQ	+0.2%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	67%
NIM	4.1% +10.1% YoY+0.1% QoQ	+0.5%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	79%
Efficiency Ratio	76.8% -0.0% YoY+0.8% QoQ	-0.3%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	49%
Delinquency Rate	0.4% -48.0% YoY-45.2% QoQ	-0.4	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	28%
Loan To Share	69.5% +8.5% YoY+3.6% QoQ	-2.7%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	41%
AMR	$30,066 +3.4% YoY+3.3% QoQ	+$5K	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	82%
CD Concentration	25.9% +15.6% YoY+0.5% QoQ	+1.4%	24.4%	29.0%	19.8%	50%
Indirect Auto %	7.1% +41.7% YoY+8.3% QoQ	-6.6%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#210 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.21%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.98%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 7.15%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#167 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.21%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 7.15%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#97 of 182 • 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: 0.98%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.21%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Relationship Depth Leader

growth

#195 of 268 • 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): 3.38%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.8K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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 1069 peers in tier

Top Strengths (6 metrics)

125

Loan Growth Rate

growth

Value: 12.04%

Peer Median: -

#125 of 1069 Top 11.6% in 100M-500M tier

187

First Mortgage Concentration (%)

balance_sheet

Value: 13.74%

Peer Median: -

#187 of 1069 Top 17.4% in 100M-500M tier

191

Average Member Relationship (AMR)

engagement

Value: $30,066

Peer Median: -

#191 of 1069 Top 17.8% in 100M-500M tier

201

Member Growth Rate

growth

Value: 3.21%

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

220

Net Interest Margin (NIM)

profitability

Value: 4.15%

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

234

Loan-to-Member Ratio (LMR)

engagement

Value: $12,326

Peer Median: -

#234 of 1069 Top 21.8% in 100M-500M tier

Top Weaknesses (1 metrics)

1051

Members Per Employee (MPE)

engagement

Value: 178.800

Peer Median: -

#1051 of 1069 Bottom 1.8% in 100M-500M tier