BlastPoint's Credit Union Scorecard
SISSETON-WAHPETON
Charter #23309 · SD
2596 CUs in <100M nationally
21 in SD
SISSETON-WAHPETON has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Net Worth Ratio: Top 2.9% in tier
- + AMR Growth Rate: Top 4.4% in tier
- + Loan Growth Rate: Top 6.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 4.70% below tier average
- - Efficiency ratio 65.19% above tier (higher cost structure)
- - Member decline: -5.6% YoY
- - Average Member Relationship (AMR): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,181
-5.6% YoY-34.6% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$5.3M
+1.8% YoY+7.3% QoQ
|
$-24.6M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$3.2M
+14.3% YoY-0.9% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$2.4M
+2.3% YoY-3.0% QoQ
|
$-23.1M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 13.3% in tier |
| ROA |
-4.0%
+37.9% YoY-5.1% QoQ
|
-4.7% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.5% in tier |
| NIM |
7.0%
+0.1% YoY-5.6% QoQ
|
+3.0% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
Top 1.4% in tier |
| Efficiency Ratio |
146.6%
+65.5% YoY+0.0% QoQ
|
+65.2% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 2.6% in tier |
| Delinquency Rate |
1.5%
-81.2% YoY-4.7% QoQ
|
-0.0 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
132.4%
+11.7% YoY+2.2% QoQ
|
+71.2% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
Top 0.5% in tier |
| AMR |
$4,696
+15.3% YoY+50.1% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.4% in tier |
| CD Concentration |
26.8%
-16.5% YoY-22.3% QoQ
|
+2.4% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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 Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
10
Loan-to-Share Ratio
balance_sheet
Value:
132.43%
Peer Avg: 61.23%
#10 of 2596
Top 0.3% in <100M tier
37
Net Interest Margin (NIM)
profitability
Value:
6.97%
Peer Avg: 3.93%
#37 of 2596
Top 1.4% in <100M tier
76
Net Worth Ratio
risk
Value:
37.73%
Peer Avg: 16.43%
#76 of 2596
Top 2.9% in <100M tier
114
AMR Growth Rate
growth
Value:
15.27%
Peer Avg: 4.67%
#114 of 2596
Top 4.4% in <100M tier
169
Loan Growth Rate
growth
Value:
14.31%
Peer Avg: 59.01%
#169 of 2596
Top 6.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (10 metrics)
2558
Return on Assets (ROA)
profitability
Value:
-4.02%
Peer Avg: 0.68%
#2558 of 2596
Bottom 1.5% in <100M tier
2529
Efficiency Ratio
profitability
Value:
146.58%
Peer Avg: 81.39%
#2529 of 2596
Bottom 2.6% in <100M tier
2377
Average Member Relationship (AMR)
engagement
Value:
$4,696
Peer Avg: $14,627
#2377 of 2596
Bottom 8.5% in <100M tier
2298
Members Per Employee (MPE)
engagement
Value:
168.714
Peer Avg: 365.701
#2298 of 2596
Bottom 11.5% in <100M tier
2250
Total Deposits
balance_sheet
Value:
$2.39M
Peer Avg: $25.45M
#2250 of 2596
Bottom 13.4% in <100M tier
2217
Member Growth Rate
growth
Value:
-5.60%
Peer Avg: 14.92%
#2217 of 2596
Bottom 14.6% in <100M tier
2075
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,676
Peer Avg: $5,488
#2075 of 2596
Bottom 20.1% in <100M tier
2072
Total Assets
balance_sheet
Value:
$5.26M
Peer Avg: $29.86M
#2072 of 2596
Bottom 20.2% in <100M tier
2039
Share Certificate Concentration (%)
balance_sheet
Value:
26.78%
Peer Avg: 15.37%
#2039 of 2596
Bottom 21.5% in <100M tier
1948
Total Loans
balance_sheet
Value:
$3.16M
Peer Avg: $15.77M
#1948 of 2596
Bottom 25.0% in <100M tier