BlastPoint's Credit Union Scorecard
LAKOTA
Charter #24847 · SD
LAKOTA has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 7.40% above tier average
- + Net Interest Margin 9.58% above tier average
- + Deposit Growth Rate: Top 1.8% in tier
- + Efficiency Ratio: Top 3.2% in tier
- + Fee Income Per Member: Top 3.5% in tier
- + AMR Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 8.7% 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 +19.1% year over year ($12.2M in shares and deposits).
- Membership: 4,128 members, -1.2% vs a year ago.
- Delinquency rate 1.46%.
- Return on assets 8.89%.
- Efficiency ratio 46.44% vs a 88.77% peer average.
- Loan-to-share ratio 65.00% 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 |
4,128
-1.2% YoY+0.1% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$19.7M
+5.1% YoY+2.1% QoQ
|
$-10.6M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$7.9M
+4.0% YoY-1.9% QoQ
|
$-7.6M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$12.2M
+19.1% YoY+5.5% QoQ
|
$-13.6M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
8.9%
+53.6% YoY-371.7% QoQ
|
+7.4% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
Top 0.9% in tier |
| NIM |
13.5%
+337.4% YoY+331.3% QoQ
|
+9.6% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
Top 0.1% in tier |
| Efficiency Ratio |
46.4%
-32.9% YoY-58.5% QoQ
|
-42.3% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
Top 3.2% in tier |
| Delinquency Rate |
1.5%
-30.2% YoY+103.9% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
65.0%
-12.7% YoY-7.0% QoQ
|
+6.1% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$4,861
+14.0% YoY+2.4% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 8.7% in tier |
| CD Concentration |
42.5%
+6.4% YoY+6.1% QoQ
|
+18.0% | 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)