BlastPoint's Credit Union Scorecard

BLUESTONE

Charter #2874 · SD

100M-500M

1069 CUs in 100M-500M nationally 9 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.34% above tier average
+ Net Interest Margin 0.09% above tier average
+ Fee Income Per Member: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency ratio 2.34% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	11,697 +3.0% YoY-0.2% QoQ	-3.7K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	41%
Assets	$204.2M +6.2% YoY+0.3% QoQ	$-27.6M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	52%
Loans	$120.1M +6.2% YoY-0.5% QoQ	$-27.3M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	48%
Deposits	$176.0M +3.8% YoY+0.8% QoQ	$-24.8M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% YoY	52%

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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% +43.8% YoY+0.5% QoQ	+0.3%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	74%
NIM	3.7% +9.9% YoY+2.0% QoQ	+0.1%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	55%
Efficiency Ratio	79.4% -6.8% YoY-0.7% QoQ	+2.3%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	58%
Delinquency Rate	0.8% +34.7% YoY+9.4% QoQ	-0.1	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	59%
Loan To Share	68.2% +2.3% YoY-1.3% QoQ	-4.0%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	39%
AMR	$25,309 +1.7% YoY+0.5% QoQ	+$633	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	65%
CD Concentration	11.4% +4.4% YoY+0.5% QoQ	-13.1%	24.4%	29.0%	19.8%	50%
Indirect Auto %	11.2% +87.5% YoY-21.0% QoQ	-2.6%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#191 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.10%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 11.24%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#185 of 426 • Top 50.0% in tier

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

Why This Signature

Member Growth (YoY): 3.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 11.24%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#85 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: 1.10%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.01%

(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 (2)

Credit Risk Growth

risk

#203 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): 6.20%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.22% 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

#341 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): 0.22% 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 | Rank improving

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 (4 metrics)

Fee Income Per Member

profitability

Value: $456.98

Peer Median: -

#9 of 1069 Top 0.7% in 100M-500M tier

134

Share Certificate Concentration (%)

balance_sheet

Value: 11.37%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

151

First Mortgage Concentration (%)

balance_sheet

Value: 11.20%

Peer Median: -

#151 of 1069 Top 14.0% in 100M-500M tier

217

Member Growth Rate

growth

Value: 3.01%

Peer Median: -

#217 of 1069 Top 20.2% in 100M-500M tier

Top Weaknesses (2 metrics)

1041

Members Per Employee (MPE)

engagement

Value: 188.661

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

893

Net Worth Ratio

risk

Value: 9.19%

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier