BlastPoint's Credit Union Scorecard

AREA

Charter #274 · SD

100M-500M

1069 CUs in 100M-500M nationally 9 in SD

AREA has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.57% above tier average
+ Net Interest Margin 0.29% above tier average
+ Net Worth Ratio: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 4.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	11,726 +1.2% YoY+0.1% QoQ	-3.7K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	41%
Assets	$196.3M +6.7% YoY+4.3% QoQ	$-35.5M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	50%
Loans	$133.4M +11.1% YoY+1.2% QoQ	$-13.9M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	54%
Deposits	$163.1M +6.3% YoY+4.8% QoQ	$-37.7M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% +12.8% YoY+1.2% QoQ	+0.6%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	Top 14.7% in tier
NIM	3.9% +4.5% YoY-1.1% QoQ	+0.3%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	67.3% +1.3% YoY+0.5% QoQ	-9.7%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	19%
Delinquency Rate	0.6% +43.5% YoY+47.6% QoQ	-0.3	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	37%
Loan To Share	81.8% +4.5% YoY-3.4% QoQ	+9.6%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	69%
AMR	$25,285 +7.1% YoY+3.1% QoQ	+$609	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	64%
CD Concentration	31.0% +12.4% YoY+1.2% QoQ	+6.5%	24.4%	29.0%	19.8%	50%
Indirect Auto %	45.8% +3.8% YoY+0.4% QoQ	+32.0%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#310 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.08%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Emerging Performer

growth

#130 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.33%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#51 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.75%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 45.82%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.23%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Risk Growth

risk

#123 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.05%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#405 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Overhang

risk

#116 of 135 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.72%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 81.82%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 16.72%

Peer Median: -

#90 of 1069 Top 8.3% in 100M-500M tier

118

First Mortgage Concentration (%)

balance_sheet

Value: 8.83%

Peer Median: -

#118 of 1069 Top 10.9% in 100M-500M tier

140

Loan Growth Rate

growth

Value: 11.05%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

157

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

184

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: -

#184 of 1069 Top 17.1% in 100M-500M tier

204

Efficiency Ratio

profitability

Value: 67.29%

Peer Median: -

#204 of 1069 Top 19.0% in 100M-500M tier

244

AMR Growth Rate

growth

Value: 7.08%

Peer Median: -

#244 of 1069 Top 22.7% in 100M-500M tier

Top Weaknesses (3 metrics)

1023

Indirect Auto Concentration (%)

balance_sheet

Value: 45.82%

Peer Median: -

#1023 of 1069 Bottom 4.4% in 100M-500M tier

849

Fee Income Per Member

profitability

Value: $111.89

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier

804

Share Certificate Concentration (%)

balance_sheet

Value: 30.96%

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier