BlastPoint's Credit Union Scorecard

EXPLORERS

Charter #14874 · SD

100M-500M

1069 CUs in 100M-500M nationally 9 in SD

EXPLORERS has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

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
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.57% above tier average
+ Share Certificate Concentration (%): Top 6.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.06% below tier average
- Efficiency ratio 7.89% above tier (higher cost structure)
- Total Assets: Bottom 5.7% in tier
- Total Deposits: Bottom 8.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	9,037 +1.2% YoY+0.0% QoQ	-6.4K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	24%
Assets	$108.3M +4.3% YoY+1.3% QoQ	$-123.6M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	Bottom 5.6% in tier
Loans	$65.2M +1.2% YoY-2.5% QoQ	$-82.2M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	Bottom 13.0% in tier
Deposits	$96.9M +3.8% YoY+1.4% QoQ	$-103.9M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% YoY	Bottom 8.1% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% -28.0% YoY-3.7% QoQ	-0.1%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	45%
NIM	4.2% -3.0% YoY-0.3% QoQ	+0.6%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	84.9% +5.6% YoY+0.5% QoQ	+7.9%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.5% -30.8% YoY+1.1% QoQ	-0.4	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	32%
Loan To Share	67.3% -2.4% YoY-3.9% QoQ	-5.0%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	37%
AMR	$17,931 +1.5% YoY-0.2% QoQ	$-7K	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	21%
CD Concentration	7.5% +16.7% YoY+7.5% QoQ	-16.9%	24.4%	29.0%	19.8%	50%
Indirect Auto %	0.4% -57.9% YoY-16.4% QoQ	-13.4%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#337 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.22%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.44%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#473 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.22%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 0.44%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#179 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.71%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#242 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.91%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.27% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.22%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (2 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 7.48%

Peer Median: -

#74 of 1069 Top 6.8% in 100M-500M tier

206

Net Interest Margin (NIM)

profitability

Value: 4.18%

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

Top Weaknesses (8 metrics)

1009

Total Assets

balance_sheet

Value: $108.25M

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

982

Total Deposits

balance_sheet

Value: $96.88M

Peer Median: -

#982 of 1069 Bottom 8.2% in 100M-500M tier

930

Total Loans

balance_sheet

Value: $65.16M

Peer Median: -

#930 of 1069 Bottom 13.1% in 100M-500M tier

842

Average Member Relationship (AMR)

engagement

Value: $17,931

Peer Median: -

#842 of 1069 Bottom 21.3% in 100M-500M tier

836

Efficiency Ratio

profitability

Value: 84.91%

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier

823

Net Worth Ratio

risk

Value: 9.70%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier

814

Total Members

engagement

Value: 9,037

Peer Median: -

#814 of 1069 Bottom 23.9% in 100M-500M tier

804

Loan-to-Member Ratio (LMR)

engagement

Value: $7,210

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier