BlastPoint's Credit Union Scorecard
EXPLORERS
Charter #14874 · SD
EXPLORERS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.26% above tier average
- + Net Charge-Off Rate: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 14.40% above tier (higher cost structure)
- - Total Assets: Bottom 7.6% 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 +4.4% year over year ($100.0M in shares and deposits).
- Membership: 9,074 members, +0.9% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 0.41%.
- Efficiency ratio 91.13% vs a 76.73% peer average.
- Loan-to-share ratio 69.18% 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 |
9,074
+0.9% YoY+0.4% QoQ
|
-6.1K |
15,168
-2.6% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$111.5M
+4.6% YoY-1.0% QoQ
|
$-120.5M |
$232.0M
+0.7% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.5% in tier |
| Loans |
$69.2M
+5.5% YoY+3.0% QoQ
|
$-77.1M |
$146.3M
+0.2% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$100.0M
+4.4% YoY-1.2% QoQ
|
$-100.7M |
$200.7M
+0.2% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.4% in tier |
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| ROA |
0.4%
-38.9% YoY-6.3% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
3.9%
-5.7% YoY+2.7% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
91.1%
+8.0% YoY+0.7% QoQ
|
+14.4% |
76.7%
-0.8% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
0.5%
-41.8% YoY-0.8% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
69.2%
+1.1% YoY+4.3% QoQ
|
-2.4% |
71.5%
-0.3% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$18,640
+3.9% YoY+0.1% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
8.1%
+24.5% YoY+13.2% QoQ
|
-16.4% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
0.2%
-64.8% YoY-27.2% QoQ
|
-13.4% | 13.6% | 8.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)