BlastPoint's Credit Union Scorecard
PALACE CITY
Charter #13103 · SD
PALACE CITY has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Efficiency ratio 0.87% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits -4.4% year over year ($14.7M in shares and deposits).
- Membership: 1,556 members, -1.6% vs a year ago.
- Delinquency rate 0.01%.
- Return on assets 0.43%.
- Efficiency ratio 89.63% vs a 88.77% peer average.
- Loan-to-share ratio 44.32% vs a 58.89% 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 |
1,556
-1.6% YoY-0.4% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$16.5M
-3.1% YoY+0.4% QoQ
|
$-13.8M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$6.5M
-6.4% YoY-4.3% QoQ
|
$-8.9M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$14.7M
-4.4% YoY+0.2% QoQ
|
$-11.1M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.4%
-17.1% YoY+96.6% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
3.5%
-4.7% YoY+0.4% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
89.6%
+2.2% YoY-5.3% QoQ
|
+0.9% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.0%
-96.4% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Top 13.5% in tier |
| Loan To Share |
44.3%
-2.0% YoY-4.5% QoQ
|
-14.6% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$13,654
-3.5% YoY-0.8% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
19.1%
-2.7% YoY+3.0% QoQ
|
-5.5% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)