BlastPoint's Credit Union Scorecard

DEXSTA

Charter #2187 · DE

100M-500M

1024 CUs in 100M-500M nationally 4 in DE

DEXSTA has 6 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Total Members: Top 3.8% in tier
+ Total Deposits: Top 4.0% in tier
+ Total Assets: Top 6.3% in tier
+ Members Per Employee (MPE): Top 7.6% in tier
+ First Mortgage Concentration (%): Top 10.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.39% below tier average
- Efficiency ratio 3.33% above tier (higher cost structure)
- Delinquency rate 0.26% above tier average
- Member decline: -6.1% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Delaware.
Shares and deposits +2.3% year over year ($395M in shares and deposits).
Membership: 34,198 members, -6.1% vs a year ago.
Delinquency rate 1.14%.
Return on assets 0.48%.
Efficiency ratio 80.06% vs a 76.73% peer average.
Loan-to-share ratio 63.47% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	34,198 -6.1% YoY-0.2% QoQ	+19.0K	15,168 -2.6% YoY	17,843 +5.5% YoY	34,678 +6.6% YoY	Top 3.9% in tier
Assets	$432.3M +2.8% YoY-0.7% QoQ	+$200.3M	$232.0M +0.7% YoY	$212.9M +9.3% YoY	$593.1M +10.2% YoY	Top 6.4% in tier
Loans	$251.0M -0.5% YoY+1.7% QoQ	+$104.8M	$146.3M +0.2% YoY	$132.7M +10.6% YoY	$418.6M +10.1% YoY	Top 13.1% in tier
Deposits	$395.5M +2.3% YoY-0.7% QoQ	+$194.8M	$200.7M +0.2% YoY	$188.9M +9.2% YoY	$504.8M +10.3% YoY	Top 4.1% 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	0.5% +527.5% YoY+13.5% QoQ	-0.4%	0.9% +12.5% YoY	1.1% -28.8% YoY	1.2% +121.4% YoY	26%
NIM	2.9% +7.6% YoY+3.4% QoQ	-0.8%	3.7% +4.5% YoY	3.5% +5.6% YoY	3.8% +2.3% YoY	Bottom 9.4% in tier
Efficiency Ratio	80.1% -3.5% YoY+0.4% QoQ	+3.3%	76.7% -0.8% YoY	79.3% -0.3% YoY	83.0% -5.3% YoY	58%
Delinquency Rate	1.1% -18.4% YoY-2.0% QoQ	+0.3	0.9% +6.6% YoY	2.3% -27.7% YoY	1.3% +2.6% YoY	74%
Loan To Share	63.5% -2.7% YoY+2.3% QoQ	-8.1%	71.5% -0.3% YoY	47.6% -0.9% YoY	66.4% -1.4% YoY	31%
AMR	$18,904 +7.8% YoY+0.4% QoQ	$-6K	$25,107 +3.2% YoY	$14,118 +1.5% YoY	$20,028 -0.9% YoY	26%
CD Concentration	16.6% -23.7% YoY-7.1% QoQ	-7.9%	24.6%	13.4%	20.0%	50%
Indirect Auto %	42.1% -11.1% YoY-1.8% QoQ	+28.4%	13.6%	7.1%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#226 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.77%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#86 of 549 • 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): -6.08%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.47%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.14%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#99 of 549 • 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): -6.08%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#91 of 476 • 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): 2.76%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 42.07%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -6.08%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Efficiency Drag

risk

#525 of 531 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 80.06%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.40% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -6.08%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

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 1024 peers in tier

Top Strengths (7 metrics)

Total Members

engagement

Value: 34,198

Peer Median: 13,128

#40 of 1024 Top 3.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $395.48M

Peer Median: $170.77M

#42 of 1024 Top 4.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $432.34M

Peer Median: $196.38M

#66 of 1024 Top 6.3% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 481.662

Peer Median: 310.924

#79 of 1024 Top 7.6% in 100M-500M tier

103

First Mortgage Concentration (%)

balance_sheet

Value: 8.44%

Peer Median: 29.92%

#103 of 1024 Top 10.0% in 100M-500M tier

134

Total Loans

balance_sheet

Value: $251.02M

Peer Median: $124.04M

#134 of 1024 Top 13.0% in 100M-500M tier

175

AMR Growth Rate

growth

Value: 7.77%

Peer Median: 3.53%

#175 of 1024 Top 17.0% in 100M-500M tier

Top Weaknesses (5 metrics)

953

Indirect Auto Concentration (%)

balance_sheet

Value: 42.07%

Peer Median: 6.15%

#953 of 1024 Bottom 7.0% in 100M-500M tier

947

Member Growth Rate

growth

Value: -6.08%

Peer Median: -0.03%

#947 of 1024 Bottom 7.6% in 100M-500M tier

928

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.67%

#928 of 1024 Bottom 9.5% in 100M-500M tier

882

Net Worth Ratio

risk

Value: 9.22%

Peer Median: 11.71%

#882 of 1024 Bottom 14.0% in 100M-500M tier

817

Net Charge-Off Rate

risk

Value: 0.69%

Peer Median: 0.34%

#817 of 1024 Bottom 20.3% in 100M-500M tier