BlastPoint's Credit Union Scorecard

BLACK HILLS

Charter #4365 · SD

Mid-Market 1B-3B

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

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BLACK HILLS faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 17.5% in tier
- Indirect Auto Dependency: Bottom 61.1% in tier
- ROA 0.31% below tier average
- Efficiency ratio 7.92% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	108,871 +2.2% YoY+0.1% QoQ	+12.8K	96,048 -2.7% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	69%
Assets	$2.4B +4.0% YoY+2.3% QoQ	+$654.7M	$1.7B +0.4% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	81%
Loans	$1.7B -1.8% YoY-0.7% QoQ	+$439.9M	$1.2B +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	79%
Deposits	$2.1B +5.9% YoY+2.5% QoQ	+$662.9M	$1.5B +0.5% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	Top 14.4% in tier

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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% +70.9% YoY-12.3% QoQ	-0.3%	0.7% +27.6% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	24%
NIM	3.2% +2.5% YoY-1.7% QoQ	-0.2%	3.4% +6.2% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	35%
Efficiency Ratio	82.6% -2.4% YoY+1.6% QoQ	+7.9%	74.6% -3.0% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.7% -37.8% YoY-23.8% QoQ	-0.1	0.8% +6.9% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	58%
Loan To Share	77.7% -7.3% YoY-3.2% QoQ	-5.5%	83.2% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	29%
AMR	$34,739 +0.2% YoY+1.0% QoQ	+$5K	$29,652 +2.3% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	82%
CD Concentration	34.7% +2.7% YoY-0.8% QoQ	+5.9%	28.8%	28.7%	19.8%	76%
Indirect Auto %	16.9% -6.4% YoY-3.5% QoQ	-1.2%	18.1%	7.9%	7.7%	52%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Efficiency Drag

risk

#58 of 100 • Bottom 17.5% in tier

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

Why This Signature

Efficiency Ratio: 82.55%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.17% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 2.17%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#183 of 198 • Bottom 61.1% in tier

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

Why This Signature

Asset Growth (YoY): 3.98%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.85%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): 2.17%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY

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 306 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $2.13B

Peer Median: $1.31B

#44 of 306 Top 14.1% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,739

Peer Median: $28,178

#56 of 306 Top 18.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $259.42

Peer Median: $191.54

#57 of 306 Top 18.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.37B

Peer Median: $1.51B

#59 of 306 Top 19.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.65B

Peer Median: $1.11B

#63 of 306 Top 20.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,189

Peer Median: $12,733

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (5 metrics)

268

Loan Growth Rate

growth

Value: -1.83%

Peer Median: 5.67%

#268 of 306 Bottom 12.7% in 1B-3B tier

262

Members Per Employee (MPE)

engagement

Value: 277.025

Peer Median: 345.077

#262 of 306 Bottom 14.7% in 1B-3B tier

247

Efficiency Ratio

profitability

Value: 82.55%

Peer Median: 75.16%

#247 of 306 Bottom 19.6% in 1B-3B tier

240

Share Certificate Concentration (%)

balance_sheet

Value: 34.74%

Peer Median: 27.93%

#240 of 306 Bottom 21.9% in 1B-3B tier

232

Return on Assets (ROA)

profitability

Value: 0.41%

Peer Median: 0.66%

#232 of 306 Bottom 24.5% in 1B-3B tier