BlastPoint's Credit Union Scorecard
BLUESTONE
Charter #2874 · SD
BLUESTONE has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Fee Income Per Member: Top 0.8% 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
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 2.41% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 2.2% 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 -0.1% year over year ($176M in shares and deposits).
- Membership: 11,866 members, +2.4% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.86%.
- Efficiency ratio 79.15% vs a 76.73% peer average.
- Loan-to-share ratio 72.64% 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 |
11,866
+2.4% YoY+1.3% QoQ
|
-3.3K |
15,168
-2.6% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$205.6M
+1.6% YoY-3.3% QoQ
|
$-26.4M |
$232.0M
+0.7% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$128.2M
+8.9% YoY+7.3% QoQ
|
$-18.1M |
$146.3M
+0.2% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$176.4M
-0.1% YoY-1.9% QoQ
|
$-24.3M |
$200.7M
+0.2% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.9%
-11.4% YoY-17.9% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
3.7%
+2.6% YoY+1.4% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
79.1%
-3.1% YoY+1.1% QoQ
|
+2.4% |
76.7%
-0.8% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
55% |
| Delinquency Rate |
0.5%
+16.6% YoY-30.4% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
36% |
| Loan To Share |
72.6%
+9.0% YoY+9.3% QoQ
|
+1.1% |
71.5%
-0.3% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$25,668
+1.1% YoY+0.5% QoQ
|
+$561 |
$25,107
+3.2% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
11.5%
+2.4% YoY-0.4% QoQ
|
-13.1% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
16.6%
+54.4% YoY+22.7% QoQ
|
+3.0% | 13.6% | 8.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)