BlastPoint's Credit Union Scorecard
BLACK HILLS
Charter #4365 · SD
BLACK HILLS faces 5 concerns requiring attention
How does the industry compare?
What's your peer group doing?
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 19.4% in tier
- - Indirect Auto Dependency: Bottom 84.4% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 7.20% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
108,769
+2.7% YoY+0.3% QoQ
|
+11.3K |
97,431
-2.4% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$2.3B
+1.0% YoY+1.3% QoQ
|
+$597.8M |
$1.7B
+0.9% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$1.7B
-3.2% YoY+0.2% QoQ
|
+$430.7M |
$1.2B
+0.5% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$2.1B
+7.5% YoY+1.3% QoQ
|
+$616.2M |
$1.5B
+0.9% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
Top 14.9% in tier |
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| ROA |
0.5%
+1.6% YoY-9.8% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.2%
+12.2% YoY-0.5% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
81.3%
+1.0% YoY+0.7% QoQ
|
+7.2% |
74.1%
-9.5% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.9%
-19.6% YoY+41.0% QoQ
|
+0.0 |
0.9%
+6.2% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
80.2%
-9.9% YoY-1.0% QoQ
|
-4.6% |
84.8%
-0.8% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$34,391
-0.2% YoY+0.5% QoQ
|
+$5K |
$29,428
+2.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
35.0%
+8.4% YoY+0.6% QoQ
|
+6.0% | 29.0% | 29.0% | 19.8% | 76% |
| Indirect Auto % |
17.5%
-4.9% YoY-3.4% QoQ
|
-0.8% | 18.3% | 8.0% | 7.8% | 53% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)