BlastPoint's Credit Union Scorecard
CONSUMER'S
Charter #22719 · SD
CONSUMER'S has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 7.3% in tier
- + Deposit Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits +9.8% year over year ($19.2M in shares and deposits).
- Membership: 1,627 members, +2.6% vs a year ago.
- Delinquency rate 0.14%.
- Return on assets 0.83%.
- Efficiency ratio 81.26% vs a 88.77% peer average.
- Loan-to-share ratio 54.51% vs a 58.89% 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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,627
+2.6% YoY+0.9% QoQ
|
-958 |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$21.4M
+9.9% YoY-3.4% QoQ
|
$-8.9M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$10.5M
+0.9% YoY+3.7% QoQ
|
$-5.0M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
53% |
| Deposits |
$19.2M
+9.8% YoY-4.0% QoQ
|
$-6.6M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
0.8%
-25.9% YoY+0.6% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
3.2%
-13.6% YoY+1.3% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
81.3%
+5.1% YoY+0.7% QoQ
|
-7.5% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.1%
-68.9% YoY-73.0% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
54.5%
-8.0% YoY+8.1% QoQ
|
-4.4% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$18,266
+3.8% YoY-2.3% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
30.1%
+3.8% YoY+3.6% QoQ
|
+5.6% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)