BlastPoint's Credit Union Scorecard
DAKOTALAND
Charter #167 · SD
DAKOTALAND has 5 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does SD stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.3% in tier
- + Organic Growth Leader: Top 16.3% in tier
- + ROA 0.72% above tier average
- + Total Assets: Top 3.0% in tier
- + Total Deposits: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.1% in tier
- - Credit Risk Growth: Bottom 28.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,263
+3.8% YoY+0.8% QoQ
|
+4.2K |
38,079
-4.8% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
65% |
| Assets |
$739.6M
+3.5% YoY+2.7% QoQ
|
+$119.9M |
$619.7M
-0.2% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
Top 3.6% in tier |
| Loans |
$486.3M
+7.4% YoY+0.6% QoQ
|
+$66.9M |
$419.3M
-1.4% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$650.6M
+3.4% YoY+2.5% QoQ
|
+$111.2M |
$539.5M
-0.1% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
Top 6.0% in tier |
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| ROA |
1.4%
+39.3% YoY+9.0% QoQ
|
+0.7% |
0.7%
+36.0% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
Top 12.6% in tier |
| NIM |
3.3%
+16.3% YoY+1.7% QoQ
|
-0.2% |
3.5%
+4.5% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
69.6%
-10.6% YoY-4.6% QoQ
|
-8.8% |
78.4%
-3.7% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.5%
+123.1% YoY+15.9% QoQ
|
-0.2 |
0.7%
-0.9% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
74.7%
+3.9% YoY-1.8% QoQ
|
-2.9% |
77.7%
-1.2% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$26,900
+1.2% YoY+0.8% QoQ
|
$-27 |
$26,927
+3.1% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
32.4%
-8.9% YoY-1.7% QoQ
|
+8.1% | 24.3% | 28.7% | 19.8% | 78% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)