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 18.4% in tier
- + Organic Growth Leader: Top 18.4% in tier
- + ROA 0.63% above tier average
- + Net Charge-Off Rate: Top 6.1% in tier
- + Total Deposits: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 25.9% in tier
- - Credit Quality Pressure: Bottom 40.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,916
+3.3% YoY+0.6% QoQ
|
+3.3K |
38,575
-4.8% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$719.9M
+4.1% YoY+1.5% QoQ
|
+$98.2M |
$621.7M
+0.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
Top 10.9% in tier |
| Loans |
$483.1M
+7.9% YoY-0.5% QoQ
|
+$53.3M |
$429.8M
-1.8% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$635.0M
+3.8% YoY+1.5% QoQ
|
+$96.3M |
$538.7M
+0.6% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
Top 8.5% in tier |
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| ROA |
1.3%
+50.5% YoY-0.1% QoQ
|
+0.6% |
0.7%
+42.9% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Top 10.3% in tier |
| NIM |
3.2%
+21.1% YoY+3.1% QoQ
|
-0.2% |
3.4%
+8.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
72.9%
-8.2% YoY+0.0% QoQ
|
-4.6% |
77.5%
-4.1% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.5%
+22.8% YoY-15.5% QoQ
|
-0.4 |
0.8%
-1.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
76.1%
+3.9% YoY-2.0% QoQ
|
-3.8% |
79.8%
-2.3% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$26,675
+2.1% YoY+0.1% QoQ
|
$-174 |
$26,849
+2.7% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
32.9%
-10.1% YoY-5.7% QoQ
|
+8.5% | 24.4% | 29.0% | 19.8% | 78% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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 (<20%). 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)