BlastPoint's Credit Union Scorecard
LAKOTA
Charter #24847 · SD
2596 CUs in <100M nationally
21 in SD
LAKOTA has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Asset Growth Rate: Top 1.9% in tier
- + Loan Growth Rate: Top 2.2% in tier
- + AMR Growth Rate: Top 2.8% in tier
- + Deposit Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - Share Certificate Concentration (%): Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
- - Average Member Relationship (AMR): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,152
-2.3% YoY-0.6% QoQ
|
+1.5K |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$19.0M
+19.6% YoY+1.3% QoQ
|
$-10.9M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$7.9M
+23.1% YoY+3.6% QoQ
|
$-7.9M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
45% |
| Deposits |
$10.7M
+11.6% YoY+4.4% QoQ
|
$-14.8M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
38% |
| ROA |
4.3%
-54.2% YoY-25.2% QoQ
|
+3.6% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
Top 1.0% in tier |
| NIM |
3.1%
+10.1% YoY+0.9% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
73.1%
+23.2% YoY+5.7% QoQ
|
-8.3% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.6%
-73.3% YoY-70.9% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
73.9%
+10.3% YoY-0.7% QoQ
|
+12.7% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$4,464
+18.9% YoY+4.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.6% in tier |
| CD Concentration |
45.4%
+15.7% YoY+13.7% QoQ
|
+21.0% |
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
14
Fee Income Per Member
profitability
Value:
$765.89
Peer Avg: $182.96
#14 of 2596
Top 0.5% in <100M tier
26
Return on Assets (ROA)
profitability
Value:
4.33%
Peer Avg: 0.68%
#26 of 2596
Top 1.0% in <100M tier
50
Asset Growth Rate
growth
Value:
19.58%
Peer Avg: 1.82%
#50 of 2596
Top 1.9% in <100M tier
57
Loan Growth Rate
growth
Value:
23.07%
Peer Avg: 59.01%
#57 of 2596
Top 2.2% in <100M tier
73
AMR Growth Rate
growth
Value:
18.88%
Peer Avg: 4.67%
#73 of 2596
Top 2.8% in <100M tier
171
Deposit Growth Rate
growth
Value:
11.58%
Peer Avg: 16.80%
#171 of 2596
Top 6.5% in <100M tier
318
Net Worth Ratio
risk
Value:
24.16%
Peer Avg: 16.43%
#318 of 2596
Top 12.2% in <100M tier
524
Total Members
engagement
Value:
4,152
Peer Avg: 2,626
#524 of 2596
Top 20.1% in <100M tier
Top Weaknesses (6 metrics)
2468
Share Certificate Concentration (%)
balance_sheet
Value:
45.44%
Peer Avg: 15.37%
#2468 of 2596
Bottom 5.0% in <100M tier
2418
Net Charge-Off Rate
risk
Value:
1.77%
Peer Avg: 0.57%
#2418 of 2596
Bottom 6.9% in <100M tier
2398
Average Member Relationship (AMR)
engagement
Value:
$4,464
Peer Avg: $14,627
#2398 of 2596
Bottom 7.7% in <100M tier
2289
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,897
Peer Avg: $5,488
#2289 of 2596
Bottom 11.9% in <100M tier
2175
First Mortgage Concentration (%)
balance_sheet
Value:
34.30%
Peer Avg: 14.49%
#2175 of 2596
Bottom 16.3% in <100M tier
2040
Net Interest Margin (NIM)
profitability
Value:
3.11%
Peer Avg: 3.93%
#2040 of 2596
Bottom 21.5% in <100M tier