BlastPoint's Credit Union Scorecard
EXPLORERS
Charter #14874 · SD
EXPLORERS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.60% above tier average
- + Share Certificate Concentration (%): Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.3% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 7.24% above tier (higher cost structure)
- - Total Assets: Bottom 5.0% in tier
- - Total Deposits: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,035
+0.4% YoY+0.4% QoQ
|
-6.6K |
15,628
-3.4% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
23% |
| Assets |
$106.8M
+3.2% YoY+0.2% QoQ
|
$-124.5M |
$231.3M
-0.0% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.9% in tier |
| Loans |
$66.8M
+4.3% YoY+1.9% QoQ
|
$-81.0M |
$147.8M
-1.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.6% in tier |
| Deposits |
$95.5M
+2.8% YoY-0.3% QoQ
|
$-104.7M |
$200.3M
-0.0% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.0% in tier |
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| ROA |
0.7%
-26.0% YoY+8.9% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
4.2%
+0.2% YoY+0.2% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
84.5%
+5.7% YoY+0.2% QoQ
|
+7.2% |
77.3%
-3.0% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.5%
-4.2% YoY-40.9% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
70.0%
+1.5% YoY+2.2% QoQ
|
-2.7% |
72.7%
-1.5% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$17,973
+3.0% YoY+0.2% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
7.0%
-27.1% YoY+6.3% QoQ
|
-17.5% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.5%
-59.8% YoY-24.1% QoQ
|
-13.5% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)