BlastPoint's Credit Union Scorecard

DEXSTA

Charter #2187 · DE

100M-500M

1070 CUs in 100M-500M nationally 4 in DE

DEXSTA has 5 strengths but faces 8 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

+ Total Members: Top 3.6% in tier
+ Total Deposits: Top 3.8% in tier
+ Members Per Employee (MPE): Top 5.3% in tier
+ Total Assets: Top 6.1% in tier
+ First Mortgage Concentration (%): Top 10.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 1.72% above tier (higher cost structure)
- Delinquency rate 0.39% above tier average
- Member decline: -2.4% YoY
- Indirect Auto Concentration (%): Bottom 6.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	34,253 -2.4% YoY-4.3% QoQ	+19.1K	15,145 -2.5% YoY	16,940 +7.4% YoY	33,913 +5.7% YoY	Top 3.7% in tier
Assets	$435.5M +4.0% YoY+1.2% QoQ	+$203.8M	$231.7M +0.8% YoY	$214.1M +16.8% YoY	$578.3M +9.0% YoY	Top 6.2% in tier
Loans	$246.9M +0.5% YoY+0.1% QoQ	+$102.8M	$144.1M +0.2% YoY	$130.7M +18.0% YoY	$402.4M +8.7% YoY	Top 13.5% in tier
Deposits	$398.1M +2.9% YoY+0.9% QoQ	+$196.9M	$201.1M +0.4% YoY	$190.3M +16.8% YoY	$494.3M +9.1% YoY	Top 3.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +284.3% QoQ	-0.3%	0.7% +5.1% YoY	1.6% +9.6% YoY	0.4% -39.2% YoY	31%
NIM	2.8% +4.6% YoY+2.3% QoQ	-0.9%	3.6% +4.6% YoY	3.5% +6.1% YoY	3.8% +4.1% YoY	Bottom 8.2% in tier
Efficiency Ratio	79.7% -3.6% YoY-3.5% QoQ	+1.7%	78.0% -1.7% YoY	78.7% -23.9% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	1.2% -11.1% YoY-19.2% QoQ	+0.4	0.8% +7.1% YoY	2.3% +13.1% YoY	1.2% +3.4% YoY	82%
Loan To Share	62.0% -2.3% YoY-0.8% QoQ	-8.4%	70.4% -0.4% YoY	46.7% +1.2% YoY	65.6% -1.4% YoY	30%
AMR	$18,830 +4.4% YoY+5.1% QoQ	$-6K	$24,918 +2.7% YoY	$14,274 +3.2% YoY	$19,920 +1.6% YoY	26%
CD Concentration	17.9% -19.1% YoY-10.0% QoQ	-6.4%	24.3%	13.3%	19.8%	50%
Indirect Auto %	42.9% -9.2% YoY-2.6% QoQ	+29.0%	13.8%	7.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk

#67 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.95%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 42.85%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.36%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY

Stagnation Risk

risk

#212 of 570 • Bottom 50.0% 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): -2.36%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.48%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.16%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#316 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -2.36%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 34,253

Peer Median: 13,200

#40 of 1070 Top 3.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $398.08M

Peer Median: $171.29M

#42 of 1070 Top 3.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 511.239

Peer Median: 309.176

#58 of 1070 Top 5.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $435.48M

Peer Median: $196.57M

#66 of 1070 Top 6.1% in 100M-500M tier

108

First Mortgage Concentration (%)

balance_sheet

Value: 8.14%

Peer Median: 29.47%

#108 of 1070 Top 10.0% in 100M-500M tier

144

Total Loans

balance_sheet

Value: $246.91M

Peer Median: $121.41M

#144 of 1070 Top 13.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1000

Indirect Auto Concentration (%)

balance_sheet

Value: 42.85%

Peer Median: 6.61%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

982

Net Interest Margin (NIM)

profitability

Value: 2.77%

Peer Median: 3.62%

#982 of 1070 Bottom 8.3% in 100M-500M tier

942

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.35%

#942 of 1070 Bottom 12.1% in 100M-500M tier

918

Net Worth Ratio

risk

Value: 9.02%

Peer Median: 11.45%

#918 of 1070 Bottom 14.3% in 100M-500M tier

877

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Median: 0.61%

#877 of 1070 Bottom 18.1% in 100M-500M tier

810

Member Growth Rate

growth

Value: -2.36%

Peer Median: -0.06%

#810 of 1070 Bottom 24.4% in 100M-500M tier