BlastPoint's Credit Union Scorecard
RUSHMORE ELECTRIC
Charter #16444 · SD
RUSHMORE ELECTRIC has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 1.9% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Net Interest Margin (NIM): Bottom 6.2% in tier
- - Loan-to-Share Ratio: Bottom 9.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits +18.3% year over year ($26.2M in shares and deposits).
- Membership: 1,430 members, -0.3% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.90%.
- Efficiency ratio 67.16% vs a 88.77% peer average.
- Loan-to-share ratio 28.39% vs a 58.89% 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 |
1,430
-0.3% YoY+0.5% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$29.3M
+17.3% YoY+0.4% QoQ
|
$-952K |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$7.5M
+0.5% YoY-2.0% QoQ
|
$-8.0M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$26.2M
+18.3% YoY+0.2% QoQ
|
+$442K |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.9%
+43.0% YoY+8.2% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
2.4%
-4.2% YoY+4.1% QoQ
|
-1.5% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
67.2%
-14.2% YoY-2.2% QoQ
|
-21.6% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
21% |
| Delinquency Rate |
0.5%
-22.8% YoY-14.9% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
28.4%
-15.0% YoY-2.3% QoQ
|
-30.5% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 9.7% in tier |
| AMR |
$23,564
+14.2% YoY-0.8% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 11.8% in tier |
| CD Concentration |
30.5%
-8.2% YoY+2.7% QoQ
|
+6.0% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.1% | 7.7% | 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)