BlastPoint's Credit Union Scorecard

DEXSTA

Charter #2187 · DE

1069 CUs in 100M-500M nationally 4 in DE

DEXSTA has 5 strengths but faces 11 concerns

National Analysis

How does the industry compare?

DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 96.9% in tier
+ Total Members: Top 3.2% in tier
+ Members Per Employee (MPE): Top 3.6% in tier
+ Total Deposits: Top 4.3% in tier
+ Total Assets: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 18.8% in tier
- Stagnation Risk: Bottom 30.9% in tier
- Efficiency Drag: Bottom 50.6% in tier
- Membership Headwinds: Bottom 57.3% in tier
- Institutional Decline: Bottom 59.0% in tier
- ROA 0.65% below tier average
- Efficiency ratio 5.65% above tier (higher cost structure)
- Delinquency rate 0.54% above tier average
- Member decline: -2.3% YoY
- Indirect Auto Concentration (%): Bottom 5.8% in tier
- Net Interest Margin (NIM): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	35,781 -2.3% YoY+2.6% QoQ	+20.3K	15,437 -2.9% YoY	17,002 +8.0% YoY	33,374 +5.7% YoY	Top 3.3% in tier
Assets	$430.1M +3.6% YoY+3.0% QoQ	+$198.3M	$231.9M +1.3% YoY	$210.6M +17.0% YoY	$561.6M +9.7% YoY	Top 6.6% in tier
Loans	$246.6M -2.0% YoY-2.8% QoQ	+$99.3M	$147.3M -0.1% YoY	$130.5M +17.1% YoY	$397.0M +8.8% YoY	Top 14.7% in tier
Deposits	$394.5M +5.8% YoY+3.1% QoQ	+$193.7M	$200.8M +0.8% YoY	$186.4M +17.6% YoY	$477.3M +9.7% YoY	Top 4.4% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.1% -47.7% YoY+1175.2% QoQ	-0.7%	0.8% +18.2% YoY	2.3% +136.3% YoY	0.7% +15.9% YoY	Bottom 9.6% in tier
NIM	2.7% -1.2% YoY-0.0% QoQ	-0.9%	3.6% +6.7% YoY	3.4% +5.3% YoY	3.8% +5.1% YoY	Bottom 9.3% in tier
Efficiency Ratio	82.7% +3.7% YoY-1.0% QoQ	+5.7%	77.0% -3.1% YoY	76.4% -7.9% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	1.4% -6.4% YoY+8.0% QoQ	+0.5	0.9% +4.2% YoY	1.8% -3.1% YoY	1.3% -2.1% YoY	85%
Loan To Share	62.5% -7.4% YoY-5.7% QoQ	-9.7%	72.2% -1.1% YoY	48.0% +1.1% YoY	67.4% -1.7% YoY	28%
AMR	$17,919 +5.1% YoY-1.9% QoQ	$-7K	$24,676 +3.4% YoY	$14,177 +3.6% YoY	$19,687 +2.0% YoY	21%
CD Concentration	19.9% -14.3% YoY-7.8% QoQ	-4.5%	24.4%	13.2%	19.8%	50%
Indirect Auto %	44.0% -8.2% YoY-4.9% QoQ	+30.2%	13.8%	7.6%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#497 of 513 • Top 96.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.07%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#96 of 506 • Bottom 18.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.63%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 44.00%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Stagnation Risk

risk

#172 of 554 • Bottom 30.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.43%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#273 of 538 • Bottom 50.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.67%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Membership Headwinds

decline

#318 of 554 • Bottom 57.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#142 of 240 • Bottom 59.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $430.14M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -2.30%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.03%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 35,781

Peer Median: -

#35 of 1069 Top 3.2% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 550.477

Peer Median: -

#39 of 1069 Top 3.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $394.51M

Peer Median: -

#47 of 1069 Top 4.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $430.14M

Peer Median: -

#71 of 1069 Top 6.5% in 100M-500M tier

109

First Mortgage Concentration (%)

balance_sheet

Value: 8.06%

Peer Median: -

#109 of 1069 Top 10.1% in 100M-500M tier

157

Total Loans

balance_sheet

Value: $246.64M

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

Top Weaknesses (10 metrics)

1008

Indirect Auto Concentration (%)

balance_sheet

Value: 44.00%

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

970

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

966

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

932

Net Charge-Off Rate

risk

Value: 0.89%

Peer Median: -

#932 of 1069 Bottom 12.9% in 100M-500M tier

927

Net Worth Ratio

risk

Value: 9.02%

Peer Median: -

#927 of 1069 Bottom 13.4% in 100M-500M tier

908

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Median: -

#908 of 1069 Bottom 15.2% in 100M-500M tier

844

Average Member Relationship (AMR)

engagement

Value: $17,919

Peer Median: -

#844 of 1069 Bottom 21.1% in 100M-500M tier

840

Loan-to-Member Ratio (LMR)

engagement

Value: $6,893

Peer Median: -

#840 of 1069 Bottom 21.5% in 100M-500M tier

820

Loan Growth Rate

growth

Value: -2.03%

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier

809

Member Growth Rate

growth

Value: -2.30%

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier