BlastPoint's Credit Union Scorecard
DAKOTALAND
Charter #167 · SD
DAKOTALAND demonstrates 7 strengths
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 4.6% in tier
- + Organic Growth Leader: Top 10.4% in tier
- + Profitability Leader: Top 67.8% in tier
- + Wallet Share Momentum: Top 89.4% in tier
- + ROA 0.63% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,669
+3.5% YoY+1.0% QoQ
|
+1.9K |
39,752
-2.7% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$709.4M
+7.7% YoY+0.7% QoQ
|
+$87.0M |
$622.4M
+0.3% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$485.4M
+10.7% YoY+3.6% QoQ
|
+$49.5M |
$435.9M
-0.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$625.4M
+8.0% YoY+0.2% QoQ
|
+$87.4M |
$538.0M
+1.3% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
Top 11.2% in tier |
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| ROA |
1.3%
+49.2% YoY+28.8% QoQ
|
+0.6% |
0.7%
+33.9% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
Top 11.8% in tier |
| NIM |
3.2%
+17.0% YoY+4.6% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
31% |
| Efficiency Ratio |
72.9%
-8.5% YoY-4.7% QoQ
|
-5.2% |
78.1%
-3.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.5%
-21.2% YoY-12.1% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
77.6%
+2.5% YoY+3.4% QoQ
|
-3.4% |
81.0%
-1.8% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$26,658
+5.5% YoY+0.6% QoQ
|
+$176 |
$26,482
+2.6% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
34.9%
+0.0% YoY+1.1% QoQ
|
+10.5% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
84% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
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 (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)