BlastPoint's Credit Union Scorecard
CONSUMER'S
Charter #22719 · SD
CONSUMER'S demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Asset Growth Rate: Top 3.3% in tier
- + Deposit Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,613
+2.5% YoY+0.8% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
43% |
| Assets |
$22.1M
+13.5% YoY+8.6% QoQ
|
$-8.1M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$10.1M
-0.2% YoY+0.9% QoQ
|
$-5.2M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
52% |
| Deposits |
$20.0M
+13.7% YoY+9.4% QoQ
|
$-5.7M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
0.8%
-17.0% YoY-32.6% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
3.2%
-12.5% YoY-16.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
80.7%
+1.6% YoY+6.4% QoQ
|
-10.0% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
48% |
| Delinquency Rate |
0.5%
+66.9% YoY+350.3% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
50.4%
-12.2% YoY-7.7% QoQ
|
-8.1% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$18,693
+6.0% YoY+5.5% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
72% |
| CD Concentration |
29.1%
-2.8% YoY-10.7% QoQ
|
+4.8% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 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)