BlastPoint's Credit Union Scorecard

BLUESTONE

Charter #2874 · SD

100M-500M

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

BLUESTONE has 5 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.32% above tier average
+ Fee Income Per Member: Top 1.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency ratio 0.23% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 2.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	11,714 +2.9% YoY+0.1% QoQ	-3.4K	15,145 -2.5% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	42%
Assets	$212.6M +5.0% YoY+4.1% QoQ	$-19.1M	$231.7M +0.8% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	55%
Loans	$119.4M +2.4% YoY-0.5% QoQ	$-24.7M	$144.1M +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	48%
Deposits	$179.8M +2.7% YoY+2.2% QoQ	$-21.4M	$201.1M +0.4% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	53%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +52.8% YoY-4.9% QoQ	+0.3%	0.7% +5.1% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	72%
NIM	3.6% +1.5% YoY-2.2% QoQ	+0.0%	3.6% +4.6% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	50%
Efficiency Ratio	78.3% -8.3% YoY-1.4% QoQ	+0.2%	78.0% -1.7% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	0.7% +37.3% YoY-15.3% QoQ	-0.1	0.8% +7.1% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	58%
Loan To Share	66.4% -0.3% YoY-2.6% QoQ	-4.0%	70.4% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	39%
AMR	$25,539 -0.3% YoY+0.9% QoQ	+$620	$24,918 +2.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	64%
CD Concentration	11.5% +9.5% YoY+1.4% QoQ	-12.7%	24.3%	28.7%	19.8%	50%
Indirect Auto %	13.5% +44.0% YoY+20.4% QoQ	-0.3%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#160 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.91%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 13.53%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#176 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.91%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.05%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 13.53%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#85 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: 1.05%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.91%

(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 (2)

Credit Quality Pressure

risk

#341 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): 0.19% 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 | Rank improving

Credit Risk Growth

risk

#344 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): 2.36%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.19% 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

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 (4 metrics)

Fee Income Per Member

profitability

Value: $468.49

Peer Median: $154.95

#12 of 1070 Top 1.0% in 100M-500M tier

134

Share Certificate Concentration (%)

balance_sheet

Value: 11.53%

Peer Median: 23.10%

#134 of 1070 Top 12.4% in 100M-500M tier

151

First Mortgage Concentration (%)

balance_sheet

Value: 10.94%

Peer Median: 29.47%

#151 of 1070 Top 14.0% in 100M-500M tier

219

Member Growth Rate

growth

Value: 2.91%

Peer Median: -0.06%

#219 of 1070 Top 20.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1044

Members Per Employee (MPE)

engagement

Value: 188.935

Peer Median: 309.176

#1044 of 1070 Bottom 2.5% in 100M-500M tier

864

Net Worth Ratio

risk

Value: 9.40%

Peer Median: 11.45%

#864 of 1070 Bottom 19.3% in 100M-500M tier

862

AMR Growth Rate

growth

Value: -0.32%

Peer Median: 3.46%

#862 of 1070 Bottom 19.5% in 100M-500M tier