BlastPoint's Credit Union Scorecard
RUSHMORE ELECTRIC
Charter #16444 · SD
RUSHMORE ELECTRIC has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 1.6% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 2.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.8% YoY
- - Net Interest Margin (NIM): Bottom 6.0% in tier
- - Loan-to-Share Ratio: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,424
-5.8% YoY-0.6% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
39% |
| Assets |
$28.7M
+19.5% YoY+3.0% QoQ
|
$-1.5M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$7.3M
-1.0% YoY-2.7% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$25.7M
+21.2% YoY+2.9% QoQ
|
$-31K |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.6%
+81.5% YoY-2.6% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
2.3%
-2.5% YoY-5.1% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
76.4%
-11.2% YoY-0.9% QoQ
|
-6.2% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.2%
-73.5% YoY-63.4% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
28.6%
-18.3% YoY-5.4% QoQ
|
-32.0% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.1% in tier |
| AMR |
$23,175
+22.5% YoY+2.1% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 11.5% in tier |
| CD Concentration |
30.1%
-4.5% YoY+1.4% QoQ
|
+5.7% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)