BlastPoint's Credit Union Scorecard
SISSETON-WAHPETON
Charter #23309 · SD
SISSETON-WAHPETON has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 4.13% above tier average
- + Loan-to-Share Ratio: Top 0.3% in tier
- + AMR Growth Rate: Top 0.9% in tier
- + Net Worth Ratio: Top 2.0% in tier
- + Net Charge-Off Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 47.95% above tier (higher cost structure)
- - Delinquency rate 2.29% above tier average
- - Member decline: -34.0% YoY
- - Member Growth Rate: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 7.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
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 -7.6% year over year ($2.3M in shares and deposits).
- Membership: 1,191 members, -34.0% vs a year ago.
- Delinquency rate 3.84%.
- Return on assets 0.36%.
- Efficiency ratio 136.71% vs a 88.77% peer average.
- Loan-to-share ratio 129.36% 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 |
1,191
-34.0% YoY+0.3% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$4.9M
-0.7% YoY-4.9% QoQ
|
$-25.4M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$2.9M
-7.7% YoY+0.2% QoQ
|
$-12.5M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$2.3M
-7.6% YoY-6.4% QoQ
|
$-23.5M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.4% in tier |
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| ROA |
0.4%
-108.5% YoY-93.0% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
8.0%
+8.8% YoY-17.2% QoQ
|
+4.1% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
Top 0.4% in tier |
| Efficiency Ratio |
136.7%
-6.7% YoY+21.2% QoQ
|
+47.9% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
3.8%
+147.7% YoY+54.3% QoQ
|
+2.3 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.5% in tier |
| Loan To Share |
129.4%
-0.1% YoY+7.0% QoQ
|
+70.5% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
Top 0.5% in tier |
| AMR |
$4,380
+40.0% YoY-3.1% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.2% in tier |
| CD Concentration |
28.1%
-18.5% YoY+7.0% QoQ
|
+3.5% | 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)