BlastPoint's Credit Union Scorecard
RUSHMORE ELECTRIC
Charter #16444 · SD
RUSHMORE ELECTRIC has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Deposit Growth Rate: Top 1.4% in tier
- + Asset Growth Rate: Top 1.4% in tier
- + AMR Growth Rate: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.2% YoY
- - Net Interest Margin (NIM): Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,423
-6.2% YoY-0.1% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$29.2M
+19.8% YoY+1.8% QoQ
|
$-987K |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$7.6M
+4.7% YoY+3.6% QoQ
|
$-7.7M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$26.2M
+21.2% YoY+2.0% QoQ
|
+$399K |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
0.8%
+58.8% YoY+35.0% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
2.3%
-5.9% YoY+1.7% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
68.6%
-15.8% YoY-10.2% QoQ
|
-22.0% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
0.6%
-35.8% YoY+164.8% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
29.1%
-13.6% YoY+1.5% QoQ
|
-29.5% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.7% in tier |
| AMR |
$23,745
+24.8% YoY+2.5% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
Top 10.9% in tier |
| CD Concentration |
29.7%
-9.5% YoY-1.4% QoQ
|
+5.4% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 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)