BlastPoint's Credit Union Scorecard

AREA

Charter #274 · SD

1077 CUs in 100M-500M nationally 10 in SD

AREA has 8 strengths but faces 3 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

+ Organic Growth Engine: Top 24.1% in tier
+ Profitability Leader: Top 64.3% in tier
+ Emerging Performer: Top 76.3% in tier
+ Credit Quality Leader: Top 96.5% in tier
+ Wallet Share Momentum: Top 96.5% in tier
+ ROA 0.53% above tier average
+ Net Interest Margin 0.35% above tier average
+ Net Worth Ratio: Top 7.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 8.6% in tier
- Liquidity Overhang: Bottom 82.7% in tier
- Indirect Auto Concentration (%): Bottom 5.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	11,719 +1.2% YoY+0.3% QoQ	-3.9K	15,628 -3.4% YoY	10,608 +2.1% YoY	33,089 +6.1% YoY	40%
Assets	$188.2M +3.4% YoY-0.3% QoQ	$-43.1M	$231.3M -0.0% YoY	$179.2M +3.1% YoY	$547.7M +7.8% YoY	47%
Loans	$131.8M +11.6% YoY+2.4% QoQ	$-16.0M	$147.8M -1.4% YoY	$123.6M +0.8% YoY	$388.7M +8.6% YoY	54%
Deposits	$155.6M +2.3% YoY-0.6% QoQ	$-44.7M	$200.3M -0.0% YoY	$158.4M +5.8% YoY	$464.6M +9.3% YoY	43%

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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% +13.7% YoY-0.8% QoQ	+0.5%	0.8% +15.5% YoY	1.2% +16.1% YoY	0.7% +273.4% YoY	83%
NIM	3.9% +6.2% YoY+2.9% QoQ	+0.4%	3.6% +6.9% YoY	4.1% +10.1% YoY	3.7% +5.0% YoY	69%
Efficiency Ratio	67.0% +2.1% YoY+2.6% QoQ	-10.3%	77.3% -3.0% YoY	76.3% -2.5% YoY	79.1% -3.3% YoY	19%
Delinquency Rate	0.4% -6.1% YoY-27.7% QoQ	-0.5	0.9% +7.6% YoY	0.8% -9.0% YoY	1.2% -0.9% YoY	25%
Loan To Share	84.7% +9.1% YoY+3.0% QoQ	+12.0%	72.7% -1.5% YoY	74.1% -0.2% YoY	68.0% -1.7% YoY	74%
AMR	$24,528 +5.2% YoY+0.4% QoQ	+$164	$24,363 +2.9% YoY	$21,356 +3.4% YoY	$19,418 +1.3% YoY	62%
CD Concentration	30.6% +11.3% YoY+1.1% QoQ	+6.2%	24.4% +4.2% YoY	28.6% +2.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	45.6% +3.7% YoY-0.0% QoQ	+31.7%	14.0% -5.7% YoY	7.9% +0.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#442 of 603 • Top 24.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.18%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.32%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 45.64%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Profitability Leader

growth

#219 of 340 • Top 64.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.32%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Emerging Performer

growth

#146 of 191 • Top 76.3% 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: 1.32%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.18%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Credit Quality Leader

growth

#328 of 340 • Top 96.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.38%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.02% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#464 of 481 • Top 96.5% in tier

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

Why This Signature

AMR Growth (YoY): 5.15%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#139 of 525 • Bottom 8.6% in tier

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

Why This Signature

Asset Growth (YoY): 3.36%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 45.64%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.18%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk

#111 of 134 • Bottom 82.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.07%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 84.73%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 17.07%

Peer Avg: -

#79 of 1077 Top 7.2% in 100M-500M tier

120

First Mortgage Concentration (%)

balance_sheet

Value: 8.73%

Peer Avg: -

#120 of 1077 Top 11.0% in 100M-500M tier

122

Loan Growth Rate

growth

Value: 11.63%

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

183

Return on Assets (ROA)

profitability

Value: 1.32%

Peer Avg: -

#183 of 1077 Top 16.9% in 100M-500M tier

202

Efficiency Ratio

profitability

Value: 66.97%

Peer Avg: -

#202 of 1077 Top 18.7% in 100M-500M tier

235

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#235 of 1077 Top 21.7% in 100M-500M tier

267

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Avg: -

#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1022

Indirect Auto Concentration (%)

balance_sheet

Value: 45.64%

Peer Avg: -

#1022 of 1077 Bottom 5.2% in 100M-500M tier

868

Fee Income Per Member

profitability

Value: $108.95

Peer Avg: -

#868 of 1077 Bottom 19.5% in 100M-500M tier