BlastPoint's Credit Union Scorecard

DEXSTA

Charter #2187 · DE

1077 CUs in 100M-500M nationally 5 in DE

DEXSTA has 3 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

+ Total Members: Top 4.4% in tier
+ Total Deposits: Top 5.3% in tier
+ Total Assets: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 9.0% in tier
- Institutional Decline: Bottom 15.2% in tier
- Efficiency Drag: Bottom 17.6% in tier
- Membership Headwinds: Bottom 17.8% in tier
- Stagnation Risk: Bottom 31.6% in tier
- ROA 0.78% below tier average
- Efficiency ratio 6.25% above tier (higher cost structure)
- Delinquency rate 0.47% above tier average
- Member decline: -2.3% YoY
- Indirect Auto Concentration (%): Bottom 4.7% in tier
- Net Interest Margin (NIM): Bottom 9.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	34,860 -2.3% YoY-4.3% QoQ	+19.2K	15,628 -3.4% YoY	17,253 +10.0% YoY	33,089 +6.1% YoY	Top 4.5% in tier
Assets	$417.5M +0.5% YoY-0.8% QoQ	+$186.2M	$231.3M -0.0% YoY	$195.2M +8.0% YoY	$547.7M +7.8% YoY	Top 8.0% in tier
Loans	$253.9M -3.1% YoY+0.7% QoQ	+$106.1M	$147.8M -1.4% YoY	$121.5M +9.1% YoY	$388.7M +8.6% YoY	Top 13.6% in tier
Deposits	$382.8M +4.6% YoY-1.0% QoQ	+$182.5M	$200.3M -0.0% YoY	$172.1M +8.7% YoY	$464.6M +9.3% YoY	Top 5.4% 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	0.0% -94.9% YoY-88.7% QoQ	-0.8%	0.8% +15.5% YoY	2.8% +77.8% YoY	0.7% +273.4% YoY	Bottom 7.2% in tier
NIM	2.7% +1.2% YoY+1.7% QoQ	-0.9%	3.6% +6.9% YoY	3.3% +6.1% YoY	3.7% +5.0% YoY	Bottom 9.5% in tier
Efficiency Ratio	83.5% +3.5% YoY+0.7% QoQ	+6.2%	77.3% -3.0% YoY	77.7% -4.8% YoY	79.1% -3.3% YoY	72%
Delinquency Rate	1.3% -0.6% YoY-4.7% QoQ	+0.5	0.9% +7.6% YoY	2.7% +22.3% YoY	1.2% -0.9% YoY	81%
Loan To Share	66.3% -7.4% YoY+1.6% QoQ	-6.4%	72.7% -1.5% YoY	48.0% +0.7% YoY	68.0% -1.7% YoY	33%
AMR	$18,264 +3.8% YoY+4.1% QoQ	$-6K	$24,363 +2.9% YoY	$13,877 +1.3% YoY	$19,418 +1.3% YoY	24%
CD Concentration	21.6% -6.7% YoY-1.0% QoQ	-2.8%	24.4% +4.2% YoY	12.6% +3.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	46.3% -7.0% YoY-2.2% QoQ	+32.3%	14.0% -5.7% YoY	7.8% -5.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#146 of 525 • Bottom 9.0% in tier

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

Why This Signature

Asset Growth (YoY): 0.52%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 46.28%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.34%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Institutional Decline

decline

#121 of 256 • Bottom 15.2% in tier

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

Why This Signature

Total Assets: $417.48M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -2.34%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.12%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Efficiency Drag

risk

#312 of 521 • Bottom 17.6% in tier

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

Why This Signature

Efficiency Ratio: 83.52%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -2.34%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline

#293 of 550 • Bottom 17.8% in tier

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

Why This Signature

Member Growth (YoY): -2.34%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#521 of 550 • Bottom 31.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.34%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.12%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.33%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 34,860

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $382.81M

Peer Avg: -

#58 of 1077 Top 5.3% in 100M-500M tier

Total Assets

balance_sheet

Value: $417.48M

Peer Avg: -

#86 of 1077 Top 7.9% in 100M-500M tier

109

First Mortgage Concentration (%)

balance_sheet

Value: 7.75%

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

116

Members Per Employee (MPE)

engagement

Value: 452.727

Peer Avg: -

#116 of 1077 Top 10.7% in 100M-500M tier

146

Total Loans

balance_sheet

Value: $253.86M

Peer Avg: -

#146 of 1077 Top 13.5% in 100M-500M tier

Top Weaknesses (10 metrics)

1027

Indirect Auto Concentration (%)

balance_sheet

Value: 46.28%

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

999

Return on Assets (ROA)

profitability

Value: 0.01%

Peer Avg: -

#999 of 1077 Bottom 7.3% in 100M-500M tier

975

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Avg: -

#975 of 1077 Bottom 9.6% in 100M-500M tier

949

Net Charge-Off Rate

risk

Value: 0.90%

Peer Avg: -

#949 of 1077 Bottom 12.0% in 100M-500M tier

908

Net Worth Ratio

risk

Value: 9.19%

Peer Avg: -

#908 of 1077 Bottom 15.8% in 100M-500M tier

878

Total Delinquency Rate (60+ days)

risk

Value: 1.33%

Peer Avg: -

#878 of 1077 Bottom 18.6% in 100M-500M tier

867

Loan Growth Rate

growth

Value: -3.12%

Peer Avg: -

#867 of 1077 Bottom 19.6% in 100M-500M tier

844

Asset Growth Rate

growth

Value: 0.52%

Peer Avg: -

#844 of 1077 Bottom 21.7% in 100M-500M tier

830

Member Growth Rate

growth

Value: -2.34%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier

817

Average Member Relationship (AMR)

engagement

Value: $18,264

Peer Avg: -

#817 of 1077 Bottom 24.2% in 100M-500M tier