BlastPoint's Credit Union Scorecard
LAKOTA
Charter #24847 · SD
LAKOTA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 2.8% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.42% below tier average
- - Efficiency ratio 21.31% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.6% in tier
- - Average Member Relationship (AMR): Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,125
-1.6% YoY-1.7% QoQ
|
+1.4K |
2,676
+1.6% YoY
|
10,664
+2.0% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$19.3M
+7.3% YoY+0.3% QoQ
|
$-10.9M |
$30.2M
+1.3% YoY
|
$187.1M
+4.6% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$8.1M
+8.6% YoY+2.1% QoQ
|
$-7.2M |
$15.3M
-2.0% YoY
|
$124.5M
+2.5% YoY
|
$402.4M
+8.7% YoY
|
46% |
| Deposits |
$11.5M
+7.6% YoY+2.8% QoQ
|
$-14.3M |
$25.8M
+0.7% YoY
|
$165.7M
+4.9% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
-3.3%
-78.0% YoY-223.1% QoQ
|
-3.4% |
0.1%
-77.6% YoY
|
0.9%
-399.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.1% in tier |
| NIM |
3.1%
+20.6% YoY-0.5% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
4.0%
+2.7% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
111.9%
-39.5% YoY+45.6% QoQ
|
+21.3% |
90.6%
+6.5% YoY
|
79.0%
-5.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate |
0.7%
-68.6% YoY+65.4% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.9%
+21.4% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
69.9%
+0.9% YoY-0.7% QoQ
|
+11.4% |
58.5%
-3.0% YoY
|
70.0%
-0.5% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$4,749
+9.8% YoY+4.3% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$21,889
+2.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.4% in tier |
| CD Concentration |
40.1%
+9.3% YoY-7.3% QoQ
|
+15.8% | 24.3% | 28.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.9% | 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)