BlastPoint's Credit Union Scorecard
SISSETON-WAHPETON
Charter #23309 · SD
2556 CUs in <100M nationally
21 in SD
SISSETON-WAHPETON has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Net Worth Ratio: Top 2.7% in tier
- + Loan Growth Rate: Top 7.0% in tier
- + AMR Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.96% below tier average
- - Efficiency ratio 51.42% above tier (higher cost structure)
- - Delinquency rate 1.24% above tier average
- - Member decline: -3.4% YoY
- - Average Member Relationship (AMR): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,178
-3.4% YoY-0.3% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$5.0M
+4.0% YoY-5.0% QoQ
|
$-25.2M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.0M
+13.4% YoY-4.6% QoQ
|
$-12.7M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
24% |
| Deposits |
$2.4M
-0.6% YoY+0.7% QoQ
|
$-23.3M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.3% in tier |
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| ROA |
-3.3%
-9.6% YoY-16.9% QoQ
|
-4.0% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.7% in tier |
| NIM |
7.0%
-3.6% YoY+1.0% QoQ
|
+3.1% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
Top 1.3% in tier |
| Efficiency Ratio |
134.0%
+68.0% YoY-8.6% QoQ
|
+51.4% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
Top 2.8% in tier |
| Delinquency Rate |
2.8%
+45.1% YoY+89.2% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
Top 14.2% in tier |
| Loan To Share |
125.4%
+14.1% YoY-5.3% QoQ
|
+64.8% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
Top 0.7% in tier |
| AMR |
$4,599
+10.4% YoY-2.1% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.7% in tier |
| CD Concentration |
26.5%
-14.3% YoY-0.9% QoQ
|
+2.1% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
16
Loan-to-Share Ratio
balance_sheet
Value:
125.39%
Peer Median: -
#16 of 2556
Top 0.6% in <100M tier
33
Net Interest Margin (NIM)
profitability
Value:
7.04%
Peer Median: -
#33 of 2556
Top 1.3% in <100M tier
70
Net Worth Ratio
risk
Value:
38.26%
Peer Median: -
#70 of 2556
Top 2.7% in <100M tier
179
Loan Growth Rate
growth
Value:
13.40%
Peer Median: -
#179 of 2556
Top 7.0% in <100M tier
244
AMR Growth Rate
growth
Value:
10.43%
Peer Median: -
#244 of 2556
Top 9.5% in <100M tier
622
Fee Income Per Member
profitability
Value:
$121.38
Peer Median: -
#622 of 2556
Top 24.3% in <100M tier
Top Weaknesses (10 metrics)
2512
Return on Assets (ROA)
profitability
Value:
-3.34%
Peer Median: -
#2512 of 2556
Bottom 1.8% in <100M tier
2486
Efficiency Ratio
profitability
Value:
133.98%
Peer Median: -
#2486 of 2556
Bottom 2.8% in <100M tier
2359
Average Member Relationship (AMR)
engagement
Value:
$4,599
Peer Median: -
#2359 of 2556
Bottom 7.7% in <100M tier
2261
Members Per Employee (MPE)
engagement
Value:
168.286
Peer Median: -
#2261 of 2556
Bottom 11.6% in <100M tier
2215
Total Deposits
balance_sheet
Value:
$2.40M
Peer Median: -
#2215 of 2556
Bottom 13.4% in <100M tier
2194
Total Delinquency Rate (60+ days)
risk
Value:
2.80%
Peer Median: -
#2194 of 2556
Bottom 14.2% in <100M tier
2085
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,559
Peer Median: -
#2085 of 2556
Bottom 18.5% in <100M tier
2072
Total Assets
balance_sheet
Value:
$4.99M
Peer Median: -
#2072 of 2556
Bottom 19.0% in <100M tier
1984
Share Certificate Concentration (%)
balance_sheet
Value:
26.54%
Peer Median: -
#1984 of 2556
Bottom 22.4% in <100M tier
1939
Total Loans
balance_sheet
Value:
$3.01M
Peer Median: -
#1939 of 2556
Bottom 24.2% in <100M tier