BlastPoint's Credit Union Scorecard
SISSETON-WAHPETON
Charter #23309 · SD
<100M
2508 CUs in <100M nationally
21 in SD
SISSETON-WAHPETON has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.99% above tier average
- + Net Interest Margin 5.69% above tier average
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 22.18% above tier (higher cost structure)
- - Delinquency rate 0.99% above tier average
- - Average Member Relationship (AMR): Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,188
-1.2% YoY+0.8% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
33% |
| Assets |
$5.1M
+8.2% YoY+2.5% QoQ
|
$-25.1M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$2.9M
+8.4% YoY-2.5% QoQ
|
$-12.3M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$2.4M
-3.3% YoY+1.1% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.3% in tier |
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| ROA |
5.1%
-119.9% YoY-253.9% QoQ
|
+5.0% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
Top 0.7% in tier |
| NIM |
9.7%
+46.2% YoY+37.8% QoQ
|
+5.7% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
112.8%
-30.2% YoY-15.8% QoQ
|
+22.2% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
2.5%
+83.6% YoY-10.9% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.4% in tier |
| Loan To Share |
120.8%
+12.1% YoY-3.6% QoQ
|
+62.3% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
Top 0.5% in tier |
| AMR |
$4,519
+4.1% YoY-1.8% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.6% in tier |
| CD Concentration |
26.2%
-22.4% YoY-1.1% QoQ
|
+2.0% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
9
Net Interest Margin (NIM)
profitability
Value:
9.70%
Peer Median: 3.83%
#9 of 2508
Top 0.3% in <100M tier
10
Loan-to-Share Ratio
balance_sheet
Value:
120.84%
Peer Median: 58.72%
#10 of 2508
Top 0.4% in <100M tier
17
Return on Assets (ROA)
profitability
Value:
5.14%
Peer Median: 0.61%
#17 of 2508
Top 0.6% in <100M tier
54
Net Worth Ratio
risk
Value:
40.72%
Peer Median: 14.28%
#54 of 2508
Top 2.1% in <100M tier
273
Asset Growth Rate
growth
Value:
8.21%
Peer Median: 1.30%
#273 of 2508
Top 10.8% in <100M tier
318
Loan Growth Rate
growth
Value:
8.40%
Peer Median: -2.36%
#318 of 2508
Top 12.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (9 metrics)
2318
Average Member Relationship (AMR)
engagement
Value:
$4,519
Peer Median: $13,926
#2318 of 2508
Bottom 7.6% in <100M tier
2298
Efficiency Ratio
profitability
Value:
112.81%
Peer Median: 81.45%
#2298 of 2508
Bottom 8.4% in <100M tier
2217
Members Per Employee (MPE)
engagement
Value:
169.714
Peer Median: 333.750
#2217 of 2508
Bottom 11.6% in <100M tier
2175
Total Deposits
balance_sheet
Value:
$2.43M
Peer Median: $18.77M
#2175 of 2508
Bottom 13.3% in <100M tier
2147
Total Delinquency Rate (60+ days)
risk
Value:
2.49%
Peer Median: 0.65%
#2147 of 2508
Bottom 14.4% in <100M tier
2045
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,473
Peer Median: $4,923
#2045 of 2508
Bottom 18.5% in <100M tier
2031
Total Assets
balance_sheet
Value:
$5.12M
Peer Median: $21.86M
#2031 of 2508
Bottom 19.1% in <100M tier
1929
Share Certificate Concentration (%)
balance_sheet
Value:
26.24%
Peer Median: 12.45%
#1929 of 2508
Bottom 23.1% in <100M tier
1908
Total Loans
balance_sheet
Value:
$2.94M
Peer Median: $9.48M
#1908 of 2508
Bottom 24.0% in <100M tier