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 0.21% above tier average
- + Net Charge-Off Rate: Top 1.0% in tier
- + Share Certificate Concentration (%): Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.29% below tier average
- - Efficiency ratio 12.43% above tier (higher cost structure)
- - Total Assets: Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,040
+0.9% YoY+0.0% QoQ
|
-6.1K |
15,145
-2.5% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$112.6M
+3.8% YoY+4.0% QoQ
|
$-119.1M |
$231.7M
+0.8% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 8.7% in tier |
| Loans |
$67.1M
+5.5% YoY+3.0% QoQ
|
$-77.0M |
$144.1M
+0.2% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 15.0% in tier |
| Deposits |
$101.2M
+3.4% YoY+4.5% QoQ
|
$-99.9M |
$201.1M
+0.4% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.0% in tier |
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| ROA |
0.4%
-27.1% YoY-37.8% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
3.8%
-8.7% YoY-8.1% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
90.5%
+6.8% YoY+6.5% QoQ
|
+12.4% |
78.0%
-1.7% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate |
0.5%
-19.3% YoY-1.8% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
66.3%
+2.0% YoY-1.4% QoQ
|
-4.1% |
70.4%
-0.4% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$18,623
+3.2% YoY+3.9% QoQ
|
$-6K |
$24,918
+2.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
7.2%
+18.4% YoY-3.8% QoQ
|
-17.1% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % |
0.3%
-62.3% YoY-23.8% QoQ
|
-13.5% | 13.8% | 7.9% | 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)