BlastPoint's Credit Union Scorecard
AREA
Charter #274 · SD
AREA has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 0.15% above tier average
- + Net Worth Ratio: Top 8.4% in tier
- + Net Charge-Off Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Indirect Auto Concentration (%): Bottom 5.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 9 that size in South Dakota.
- Shares and deposits +5.4% year over year ($165M in shares and deposits).
- Membership: 11,828 members, +1.2% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 1.37%.
- Efficiency ratio 69.21% vs a 76.73% peer average.
- Loan-to-share ratio 85.59% vs a 71.54% 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 |
11,828
+1.2% YoY+0.7% QoQ
|
-3.3K |
15,168
-2.6% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$199.9M
+5.9% YoY-0.2% QoQ
|
$-32.1M |
$232.0M
+0.7% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$141.3M
+9.7% YoY+4.1% QoQ
|
$-5.0M |
$146.3M
+0.2% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$165.1M
+5.4% YoY-0.9% QoQ
|
$-35.6M |
$200.7M
+0.2% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
48% |
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| ROA |
1.4%
+3.0% YoY+2.0% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
3.8%
+0.3% YoY+1.6% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
69.2%
+6.0% YoY+0.4% QoQ
|
-7.5% |
76.7%
-0.8% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.5%
-10.0% YoY-1.9% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
85.6%
+4.0% YoY+5.1% QoQ
|
+14.1% |
71.5%
-0.3% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$25,905
+6.1% YoY+0.7% QoQ
|
+$799 |
$25,107
+3.2% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
30.7%
+1.5% YoY-0.2% QoQ
|
+6.1% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
44.9%
-1.6% YoY-0.3% QoQ
|
+31.3% | 13.6% | 8.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)