BlastPoint's Credit Union Scorecard

SENTINEL

Charter #10257 · SD

100M-500M

1024 CUs in 100M-500M nationally 9 in SD

SENTINEL has 7 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.54% above tier average
+ Loan Growth Rate: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 6.44% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Dakota.
Shares and deposits +4.8% year over year ($176M in shares and deposits).
Membership: 10,004 members, +2.9% vs a year ago.
Delinquency rate 0.71%.
Return on assets 0.62%.
Efficiency ratio 83.18% vs a 76.73% peer average.
Loan-to-share ratio 76.41% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	10,004 +2.9% YoY+1.5% QoQ	-5.2K	15,168 -2.6% YoY	10,596 +0.4% YoY	34,678 +6.6% YoY	32%
Assets	$199.3M +4.8% YoY+1.1% QoQ	$-32.7M	$232.0M +0.7% YoY	$187.3M +5.8% YoY	$593.1M +10.2% YoY	51%
Loans	$134.7M +20.7% YoY+6.7% QoQ	$-11.6M	$146.3M +0.2% YoY	$126.7M +3.4% YoY	$418.6M +10.1% YoY	56%
Deposits	$176.3M +4.8% YoY+1.2% QoQ	$-24.5M	$200.7M +0.2% YoY	$165.1M +5.0% YoY	$504.8M +10.3% YoY	52%

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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% -49.7% YoY+10.0% QoQ	-0.2%	0.9% +12.5% YoY	1.2% +16.4% YoY	1.2% +121.4% YoY	38%
NIM	4.2% +2.7% YoY+0.9% QoQ	+0.5%	3.7% +4.5% YoY	4.3% +7.8% YoY	3.8% +2.3% YoY	82%
Efficiency Ratio	83.2% +11.7% YoY-0.5% QoQ	+6.4%	76.7% -0.8% YoY	77.2% -0.2% YoY	83.0% -5.3% YoY	70%
Delinquency Rate	0.7% -48.3% YoY+113.1% QoQ	-0.2	0.9% +6.6% YoY	1.0% +21.8% YoY	1.3% +2.6% YoY	50%
Loan To Share	76.4% +15.1% YoY+5.5% QoQ	+4.9%	71.5% -0.3% YoY	72.5% -0.5% YoY	66.4% -1.4% YoY	56%
AMR	$31,081 +8.0% YoY+2.0% QoQ	+$6K	$25,107 +3.2% YoY	$22,000 +3.5% YoY	$20,028 -0.9% YoY	84%
CD Concentration	29.1% +17.9% YoY+5.9% QoQ	+4.5%	24.6%	29.4%	20.0%	50%
Indirect Auto %	10.1% +66.9% YoY+35.0% QoQ	-3.5%	13.6%	8.1%	7.7%	50%

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth

#65 of 262 • 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): 8.01%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#205 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.01%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Organic Growth Leader

growth

#152 of 342 • 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): 2.91%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 10.11%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#263 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.91%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.62%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 10.11%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Emerging Performer

growth

#148 of 175 • 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: 0.62%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 2.91%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Concerns (2)

Cost Spiral

risk

#66 of 95 • 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: 8.73% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 74.45%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Efficiency Drag

risk

#468 of 531 • 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: 83.18%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.61% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 2.91%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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 1024 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 20.68%

Peer Median: 3.02%

#30 of 1024 Top 2.8% in 100M-500M tier

158

AMR Growth Rate

growth

Value: 8.01%

Peer Median: 3.53%

#158 of 1024 Top 15.3% in 100M-500M tier

169

Average Member Relationship (AMR)

engagement

Value: $31,081

Peer Median: $23,006

#169 of 1024 Top 16.4% in 100M-500M tier

177

Loan-to-Member Ratio (LMR)

engagement

Value: $13,462

Peer Median: $9,434

#177 of 1024 Top 17.2% in 100M-500M tier

189

Net Interest Margin (NIM)

profitability

Value: 4.23%

Peer Median: 3.67%

#189 of 1024 Top 18.4% in 100M-500M tier

204

Member Growth Rate

growth

Value: 2.91%

Peer Median: -0.03%

#204 of 1024 Top 19.8% in 100M-500M tier

216

First Mortgage Concentration (%)

balance_sheet

Value: 15.59%

Peer Median: 29.92%

#216 of 1024 Top 21.0% in 100M-500M tier

Top Weaknesses (1 metrics)

999

Members Per Employee (MPE)

engagement

Value: 185.259

Peer Median: 310.924

#999 of 1024 Bottom 2.5% in 100M-500M tier