BlastPoint's Credit Union Scorecard

BLACK HILLS

Charter #4365 · SD

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 1 in SD

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BLACK HILLS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 19.9% in tier
+ Organic Growth Engine: Top 26.1% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 13.0% in tier
- Efficiency Drag: Bottom 14.0% in tier
- Shrinking Wallet Share: Bottom 14.5% in tier
- Indirect Auto Dependency: Bottom 32.3% in tier
- ROA 0.19% below tier average
- Efficiency ratio 6.69% above tier (higher cost structure)
- Loan Growth Rate: Bottom 7.2% in tier
- Members Per Employee (MPE): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	108,390 +2.9% YoY+1.0% QoQ	+9.7K	98,678 -1.9% YoY	10,608 +2.1% YoY	33,089 +6.1% YoY	65%
Assets	$2.3B -1.7% YoY+2.2% QoQ	+$571.8M	$1.7B +0.5% YoY	$179.2M +3.1% YoY	$547.7M +7.8% YoY	79%
Loans	$1.7B -5.8% YoY-0.5% QoQ	+$428.3M	$1.2B +0.5% YoY	$123.6M +0.8% YoY	$388.7M +8.6% YoY	78%
Deposits	$2.0B +6.0% YoY+1.9% QoQ	+$595.3M	$1.5B +1.3% YoY	$158.4M +5.8% YoY	$464.6M +9.3% YoY	84%

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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	0.5% +2.2% YoY+14.3% QoQ	-0.2%	0.7% +13.4% YoY	1.2% +16.1% YoY	0.7% +273.4% YoY	36%
NIM	3.2% +16.6% YoY+1.6% QoQ	-0.0%	3.3% +9.3% YoY	4.1% +10.1% YoY	3.7% +5.0% YoY	44%
Efficiency Ratio	80.7% +1.0% YoY-1.8% QoQ	+6.7%	74.0% -10.9% YoY	76.3% -2.5% YoY	79.1% -3.3% YoY	77%
Delinquency Rate	0.6% -38.8% YoY-16.7% QoQ	-0.2	0.8% +6.1% YoY	0.8% -9.0% YoY	1.2% -0.9% YoY	47%
Loan To Share	81.1% -11.1% YoY-2.4% QoQ	-4.1%	85.2% -0.8% YoY	74.1% -0.2% YoY	68.0% -1.7% YoY	32%
AMR	$34,237 -2.5% YoY-0.1% QoQ	+$5K	$29,172 +2.8% YoY	$21,356 +3.4% YoY	$19,418 +1.3% YoY	82%
CD Concentration	34.8% +9.5% YoY+1.4% QoQ	+5.8%	29.0% +0.7% YoY	28.6% +2.7% YoY	19.6% +6.2% YoY	76%
Indirect Auto %	18.1% -3.7% YoY+0.5% QoQ	-0.7%	18.8% -3.0% YoY	7.9% +0.1% YoY	7.9% -2.9% YoY	54%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#79 of 138 • Top 19.9% in tier

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

Why This Signature

Member Growth (YoY): 2.92%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 18.08%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth

#190 of 246 • Top 26.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.92%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.52%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 18.08%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Wealth Migration Risk

decline

#7 of 10 • Bottom 13.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $34.2K

(Tier: $29.2K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -2.52%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

10 of 380 Mid-Market CUs have this signature | 39 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Efficiency Drag

risk

#47 of 96 • Bottom 14.0% in tier

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

Why This Signature

Efficiency Ratio: 80.66%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 2.92%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#45 of 83 • Bottom 14.5% in tier

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

Why This Signature

AMR Growth (YoY): -2.52%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#200 of 202 • Bottom 32.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.72%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 18.08%

(Tier: 18.77%, National: 7.90%)

but better than tier avg

Member Growth (YoY): 2.92%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $280.42

Peer Avg: -

#43 of 304 Top 13.8% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.05B

Peer Avg: -

#49 of 304 Top 15.8% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,237

Peer Avg: -

#56 of 304 Top 18.1% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.29B

Peer Avg: -

#64 of 304 Top 20.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.66B

Peer Avg: -

#66 of 304 Top 21.4% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,328

Peer Avg: -

#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (6 metrics)

283

Loan Growth Rate

growth

Value: -5.83%

Peer Avg: -

#283 of 304 Bottom 7.2% in 1B-3B tier

278

Members Per Employee (MPE)

engagement

Value: 268.292

Peer Avg: -

#278 of 304 Bottom 8.9% in 1B-3B tier

270

Asset Growth Rate

growth

Value: -1.72%

Peer Avg: -

#270 of 304 Bottom 11.5% in 1B-3B tier

270

AMR Growth Rate

growth

Value: -2.52%

Peer Avg: -

#270 of 304 Bottom 11.5% in 1B-3B tier

236

Efficiency Ratio

profitability

Value: 80.66%

Peer Avg: -

#236 of 304 Bottom 22.7% in 1B-3B tier

236

Share Certificate Concentration (%)

balance_sheet

Value: 34.81%

Peer Avg: -

#236 of 304 Bottom 22.7% in 1B-3B tier