BlastPoint's Credit Union Scorecard

BLUESTONE

Charter #2874 · SD

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

BLUESTONE has 6 strengths but faces 4 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 10.7% in tier
+ Organic Growth Leader: Top 11.5% in tier
+ Emerging Performer: Top 43.2% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.04% above tier average
+ Fee Income Per Member: Top 0.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.6% in tier
- Credit Risk Growth: Bottom 11.5% in tier
- Efficiency ratio 2.63% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	11,724 +3.3% YoY+1.2% QoQ	-3.9K	15,628 -3.4% YoY	10,608 +2.1% YoY	33,089 +6.1% YoY	40%
Assets	$203.7M +6.8% YoY+0.7% QoQ	$-27.6M	$231.3M -0.0% YoY	$179.2M +3.1% YoY	$547.7M +7.8% YoY	52%
Loans	$120.7M +3.8% YoY+2.6% QoQ	$-27.1M	$147.8M -1.4% YoY	$123.6M +0.8% YoY	$388.7M +8.6% YoY	48%
Deposits	$174.6M +5.8% YoY-1.1% QoQ	$-25.7M	$200.3M -0.0% YoY	$158.4M +5.8% YoY	$464.6M +9.3% YoY	51%

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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	1.1% +34.1% YoY+13.0% QoQ	+0.3%	0.8% +15.5% YoY	1.2% +16.1% YoY	0.7% +273.4% YoY	71%
NIM	3.6% +9.3% YoY+1.5% QoQ	+0.0%	3.6% +6.9% YoY	4.1% +10.1% YoY	3.7% +5.0% YoY	53%
Efficiency Ratio	79.9% -6.4% YoY-2.1% QoQ	+2.6%	77.3% -3.0% YoY	76.3% -2.5% YoY	79.1% -3.3% YoY	61%
Delinquency Rate	0.8% +138.2% YoY+80.7% QoQ	-0.1	0.9% +7.6% YoY	0.8% -9.0% YoY	1.2% -0.9% YoY	57%
Loan To Share	69.2% -1.9% YoY+3.8% QoQ	-3.5%	72.7% -1.5% YoY	74.1% -0.2% YoY	68.0% -1.7% YoY	39%
AMR	$25,186 +1.6% YoY-0.8% QoQ	+$823	$24,363 +2.9% YoY	$21,356 +3.4% YoY	$19,418 +1.3% YoY	66%
CD Concentration	11.3% +2.9% YoY+0.9% QoQ	-13.1%	24.4% +4.2% YoY	28.6% +2.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	14.2% +138.3% YoY+32.4% QoQ	+0.3%	14.0% -5.7% YoY	7.9% +0.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#196 of 603 • Top 10.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.29%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.09%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 14.24%

(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 | Rank improving

Organic Growth Leader

growth

#153 of 430 • Top 11.5% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.29%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 14.24%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Emerging Performer

growth

#83 of 191 • Top 43.2% 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: 1.09%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.29%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank improving

Concerns (2)

Credit Quality Pressure

risk

#164 of 736 • Bottom 6.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.45% points

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

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Credit Risk Growth

risk

#173 of 446 • Bottom 11.5% in tier

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

Why This Signature

Loan Growth (YoY): 3.79%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.45% points

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

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

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 (4 metrics)

Fee Income Per Member

profitability

Value: $458.71

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

138

Share Certificate Concentration (%)

balance_sheet

Value: 11.32%

Peer Avg: -

#138 of 1077 Top 12.7% in 100M-500M tier

139

First Mortgage Concentration (%)

balance_sheet

Value: 10.30%

Peer Avg: -

#139 of 1077 Top 12.8% in 100M-500M tier

185

Member Growth Rate

growth

Value: 3.29%

Peer Avg: -

#185 of 1077 Top 17.1% in 100M-500M tier

Top Weaknesses (2 metrics)

1053

Members Per Employee (MPE)

engagement

Value: 183.188

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

942

Net Worth Ratio

risk

Value: 8.97%

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier