BlastPoint's Credit Union Scorecard
CONSUMER'S
Charter #22719 · SD
CONSUMER'S demonstrates 1 strength
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.60% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,600
+2.5% YoY+0.8% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$20.4M
+6.8% YoY+7.7% QoQ
|
$-9.8M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$10.0M
-1.4% YoY-3.8% QoQ
|
$-5.7M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$18.3M
+6.2% YoY+8.3% QoQ
|
$-7.4M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
50% |
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| ROA |
1.2%
+33.7% YoY-5.6% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
3.8%
+18.4% YoY-1.9% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
75.8%
-5.2% YoY+1.5% QoQ
|
-6.7% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.1%
-52.4% YoY-51.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
54.7%
-7.1% YoY-11.2% QoQ
|
-5.9% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$17,713
+0.9% YoY+2.8% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
32.6%
-2.1% YoY+6.2% QoQ
|
+8.1% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)