BlastPoint's Credit Union Scorecard

DAKOTA PLAINS

Charter #11526 · SD

<100M
2508 CUs in <100M nationally 21 in SD

DAKOTA PLAINS has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.65% above tier average
  • + Net Interest Margin 0.26% above tier average
  • + Total Deposits: Top 3.7% in tier
  • + Total Loans: Top 3.7% in tier
  • + Total Assets: Top 4.9% in tier
  • + Deposit Growth Rate: Top 5.9% in tier
  • + Asset Growth Rate: Top 6.2% in tier
  • + Average Member Relationship (AMR): Top 6.3% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Concentration (%): Bottom 5.3% in tier
  • - Net Worth Ratio: Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (SD) National Avg Tier Percentile
Members 4,900
+3.1% YoY+0.9% QoQ
+2.2K 2,676
+1.6% YoY
10,664
+2.0% YoY
33,913
+5.7% YoY
Top 14.0% in tier
Assets $86.2M
+10.9% YoY+0.4% QoQ
+$56.0M $30.2M
+1.3% YoY
$187.1M
+4.6% YoY
$578.3M
+9.0% YoY
Top 5.0% in tier
Loans $52.5M
+2.7% YoY+4.3% QoQ
+$37.2M $15.3M
-2.0% YoY
$124.5M
+2.5% YoY
$402.4M
+8.7% YoY
Top 3.8% in tier
Deposits $77.6M
+12.1% YoY-0.0% QoQ
+$51.8M $25.8M
+0.7% YoY
$165.7M
+4.9% YoY
$494.3M
+9.1% YoY
Top 3.7% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.8%
-64.2% YoY-46.5% QoQ
+0.7% 0.1%
-77.6% YoY
0.9%
-399.1% YoY
0.4%
-39.2% YoY
60%
NIM 4.3%
-9.2% YoY-8.9% QoQ
+0.3% 4.0%
+4.0% YoY
4.0%
+2.7% YoY
3.8%
+4.1% YoY
69%
Efficiency Ratio 81.4%
+22.3% YoY+10.1% QoQ
-9.2% 90.6%
+6.5% YoY
79.0%
-5.2% YoY
84.6%
+2.8% YoY
50%
Delinquency Rate 0.3%
+7.5% YoY-15.6% QoQ
-1.2 1.5%
+3.8% YoY
0.9%
+21.4% YoY
1.2%
+3.4% YoY
34%
Loan To Share 67.7%
-8.4% YoY+4.3% QoQ
+9.2% 58.5%
-3.0% YoY
70.0%
-0.5% YoY
65.6%
-1.4% YoY
64%
AMR $26,544
+4.9% YoY+0.7% QoQ
+$12K $14,884
-1.7% YoY
$21,889
+2.4% YoY
$19,920
+1.6% YoY
Top 6.3% in tier
CD Concentration 28.2%
+21.2% YoY+2.5% QoQ
+3.9% 24.3% 28.7% 19.8% 50%
Indirect Auto % 20.5%
+11.1% YoY-4.1% QoQ
+6.7% 13.8% 7.9% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

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)

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

93
Total Deposits
balance_sheet
Value: $77.56M
Peer Median: $18.77M
#93 of 2508 Top 3.7% in <100M tier
95
Total Loans
balance_sheet
Value: $52.51M
Peer Median: $9.48M
#95 of 2508 Top 3.7% in <100M tier
125
Total Assets
balance_sheet
Value: $86.15M
Peer Median: $21.86M
#125 of 2508 Top 4.9% in <100M tier
150
Deposit Growth Rate
growth
Value: 12.14%
Peer Median: 0.66%
#150 of 2508 Top 5.9% in <100M tier
157
Asset Growth Rate
growth
Value: 10.89%
Peer Median: 1.30%
#157 of 2508 Top 6.2% in <100M tier
159
Average Member Relationship (AMR)
engagement
Value: $26,544
Peer Median: $13,926
#159 of 2508 Top 6.3% in <100M tier
161
Loan-to-Member Ratio (LMR)
engagement
Value: $10,715
Peer Median: $4,923
#161 of 2508 Top 6.4% in <100M tier
289
Member Growth Rate
growth
Value: 3.09%
Peer Median: -1.37%
#289 of 2508 Top 11.5% in <100M tier
351
Total Members
engagement
Value: 4,900
Peer Median: 1,918
#351 of 2508 Top 14.0% in <100M tier

Top Weaknesses (4 metrics)

2375
Indirect Auto Concentration (%)
balance_sheet
Value: 20.45%
Peer Median: 0.00%
#2375 of 2508 Bottom 5.3% in <100M tier
2310
Net Worth Ratio
risk
Value: 8.59%
Peer Median: 14.28%
#2310 of 2508 Bottom 7.9% in <100M tier
2054
Members Per Employee (MPE)
engagement
Value: 213.043
Peer Median: 333.750
#2054 of 2508 Bottom 18.1% in <100M tier
2004
Share Certificate Concentration (%)
balance_sheet
Value: 28.22%
Peer Median: 12.45%
#2004 of 2508 Bottom 20.1% in <100M tier
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