BlastPoint's Credit Union Scorecard
LAKOTA
Charter #24847 · SD
LAKOTA has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.5% in tier
- + Asset Growth Rate: Top 2.2% in tier
- + Deposit Growth Rate: Top 3.1% in tier
- + AMR Growth Rate: Top 4.0% in tier
- + Loan Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,197
-0.7% YoY+1.1% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$19.2M
+18.8% YoY+1.4% QoQ
|
$-10.9M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$7.9M
+15.7% YoY+0.2% QoQ
|
$-7.9M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$11.2M
+15.9% YoY+5.2% QoQ
|
$-14.5M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
39% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.7%
-50.3% YoY-38.5% QoQ
|
+2.0% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Top 2.4% in tier |
| NIM |
3.1%
+23.6% YoY+1.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
76.9%
+13.5% YoY+5.1% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.4%
-82.3% YoY-29.0% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
70.4%
-0.2% YoY-4.8% QoQ
|
+9.8% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
65% |
| AMR |
$4,553
+16.6% YoY+2.0% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Bottom 7.6% in tier |
| CD Concentration |
43.3%
+11.5% YoY-4.8% QoQ
|
+18.8% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)