BlastPoint's Credit Union Scorecard

AREA

Charter #274 · SD

100M-500M

1070 CUs in 100M-500M nationally 9 in SD

AREA has 4 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.61% above tier average
+ Net Interest Margin 0.15% above tier average
+ Net Worth Ratio: Top 7.8% 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 5.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	11,751 +1.1% YoY+0.2% QoQ	-3.4K	15,145 -2.5% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	43%
Assets	$200.2M +4.1% YoY+2.0% QoQ	$-31.5M	$231.7M +0.8% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	51%
Loans	$135.8M +9.7% YoY+1.8% QoQ	$-8.4M	$144.1M +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	56%
Deposits	$166.6M +3.3% YoY+2.2% QoQ	$-34.5M	$201.1M +0.4% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	48%

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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% +25.3% YoY+0.5% QoQ	+0.6%	0.7% +5.1% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	84%
NIM	3.8% -0.3% YoY-2.9% QoQ	+0.1%	3.6% +4.6% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	61%
Efficiency Ratio	69.0% +3.2% YoY+2.5% QoQ	-9.1%	78.0% -1.7% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.5% +50.5% YoY-14.1% QoQ	-0.3	0.8% +7.1% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	39%
Loan To Share	81.5% +6.2% YoY-0.4% QoQ	+11.1%	70.4% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	72%
AMR	$25,735 +4.9% YoY+1.8% QoQ	+$817	$24,918 +2.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	65%
CD Concentration	30.8% +6.6% YoY-0.6% QoQ	+6.5%	24.3%	28.7%	19.8%	50%
Indirect Auto %	45.1% +1.0% YoY-1.7% QoQ	+31.3%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#122 of 157 • 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: 1.34%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.10%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#113 of 504 • 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): 4.05%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 45.05%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.10%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Risk Growth

risk

#151 of 476 • 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): 9.68%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#391 of 727 • 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): 0.16% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Overhang

risk

#111 of 126 • 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: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 81.47%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (6 metrics)

Net Worth Ratio

risk

Value: 16.72%

Peer Median: 11.45%

#84 of 1070 Top 7.8% in 100M-500M tier

132

First Mortgage Concentration (%)

balance_sheet

Value: 9.82%

Peer Median: 29.47%

#132 of 1070 Top 12.2% in 100M-500M tier

166

Return on Assets (ROA)

profitability

Value: 1.34%

Peer Median: 0.69%

#166 of 1070 Top 15.4% in 100M-500M tier

192

Loan Growth Rate

growth

Value: 9.68%

Peer Median: 2.93%

#192 of 1070 Top 17.9% in 100M-500M tier

239

Efficiency Ratio

profitability

Value: 68.97%

Peer Median: 78.68%

#239 of 1070 Top 22.2% in 100M-500M tier

244

Net Charge-Off Rate

risk

Value: 0.13%

Peer Median: 0.35%

#244 of 1070 Top 22.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1014

Indirect Auto Concentration (%)

balance_sheet

Value: 45.05%

Peer Median: 6.61%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

927

Fee Income Per Member

profitability

Value: $88.17

Peer Median: $154.95

#927 of 1070 Bottom 13.5% in 100M-500M tier