BlastPoint's Credit Union Scorecard

HIGHMARK

Charter #4122 · SD

100M-500M

1024 CUs in 100M-500M nationally 9 in SD

HIGHMARK faces 8 concerns requiring attention

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- ROA 0.50% below tier average
- Efficiency ratio 7.44% above tier (higher cost structure)
- Delinquency rate 0.55% above tier average
- Net Worth Ratio: Bottom 1.8% 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 +0.4% year over year ($235M in shares and deposits).
Membership: 13,653 members, +0.3% vs a year ago.
Delinquency rate 1.43%.
Return on assets 0.36%.
Efficiency ratio 84.18% vs a 76.73% peer average.
Loan-to-share ratio 82.12% 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	13,653 +0.3% YoY-0.5% QoQ	-1.5K	15,168 -2.6% YoY	10,596 +0.4% YoY	34,678 +6.6% YoY	52%
Assets	$257.8M +0.8% YoY-0.9% QoQ	+$25.8M	$232.0M +0.7% YoY	$187.3M +5.8% YoY	$593.1M +10.2% YoY	65%
Loans	$193.1M -3.5% YoY+0.3% QoQ	+$46.8M	$146.3M +0.2% YoY	$126.7M +3.4% YoY	$418.6M +10.1% YoY	74%
Deposits	$235.1M +0.4% YoY-1.1% QoQ	+$34.4M	$200.7M +0.2% YoY	$165.1M +5.0% YoY	$504.8M +10.3% YoY	67%

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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	0.4% -33.2% YoY+10.1% QoQ	-0.5%	0.9% +12.5% YoY	1.2% +16.4% YoY	1.2% +121.4% YoY	19%
NIM	3.7% -2.7% YoY+1.2% QoQ	+0.0%	3.7% +4.5% YoY	4.3% +7.8% YoY	3.8% +2.3% YoY	52%
Efficiency Ratio	84.2% -2.1% YoY-2.8% QoQ	+7.4%	76.7% -0.8% YoY	77.2% -0.2% YoY	83.0% -5.3% YoY	74%
Delinquency Rate	1.4% +6.8% YoY+49.0% QoQ	+0.5	0.9% +6.6% YoY	1.0% +21.8% YoY	1.3% +2.6% YoY	84%
Loan To Share	82.1% -3.9% YoY+1.4% QoQ	+10.6%	71.5% -0.3% YoY	72.5% -0.5% YoY	66.4% -1.4% YoY	70%
AMR	$31,359 -1.7% YoY+0.1% QoQ	+$6K	$25,107 +3.2% YoY	$22,000 +3.5% YoY	$20,028 -0.9% YoY	84%
CD Concentration	31.1% -4.1% YoY-6.5% QoQ	+6.6%	24.6%	29.4%	20.0%	50%
Indirect Auto %	8.3% -19.8% YoY-4.7% QoQ	-5.3%	13.6%	8.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#138 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.18%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 0.32%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#145 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.71%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Credit Quality Pressure

risk

#501 of 693 • 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): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Flatlined Growth

risk

#38 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.77%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.36%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 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 1024 peers in tier

Top Strengths (3 metrics)

134

Fee Income Per Member

profitability

Value: $243.92

Peer Median: $159.88

#134 of 1024 Top 13.0% in 100M-500M tier

153

Loan-to-Member Ratio (LMR)

engagement

Value: $14,141

Peer Median: $9,434

#153 of 1024 Top 14.8% in 100M-500M tier

166

Average Member Relationship (AMR)

engagement

Value: $31,359

Peer Median: $23,006

#166 of 1024 Top 16.1% in 100M-500M tier

Top Weaknesses (9 metrics)

1007

Net Worth Ratio

risk

Value: 7.67%

Peer Median: 11.71%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

941

Members Per Employee (MPE)

engagement

Value: 216.714

Peer Median: 310.924

#941 of 1024 Bottom 8.2% in 100M-500M tier

907

AMR Growth Rate

growth

Value: -1.71%

Peer Median: 3.53%

#907 of 1024 Bottom 11.5% in 100M-500M tier

878

Loan Growth Rate

growth

Value: -3.50%

Peer Median: 3.02%

#878 of 1024 Bottom 14.4% in 100M-500M tier

865

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Median: 0.71%

#865 of 1024 Bottom 15.6% in 100M-500M tier

834

Net Charge-Off Rate

risk

Value: 0.71%

Peer Median: 0.34%

#834 of 1024 Bottom 18.7% in 100M-500M tier

829

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.75%

#829 of 1024 Bottom 19.1% in 100M-500M tier

792

Asset Growth Rate

growth

Value: 0.77%

Peer Median: 4.12%

#792 of 1024 Bottom 22.8% in 100M-500M tier

788

Deposit Growth Rate

growth

Value: 0.39%

Peer Median: 3.58%

#788 of 1024 Bottom 23.1% in 100M-500M tier