BlastPoint's Credit Union Scorecard
BLACK HILLS
Charter #4365 · SD
BLACK HILLS faces 6 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 14.4% in tier
- - Credit Quality Pressure: Bottom 22.0% in tier
- - Indirect Auto Dependency: Bottom 41.4% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 9.05% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 1 that size in South Dakota.
- Shares and deposits +5.9% year over year ($2.13B in shares and deposits).
- Membership: 109,705 members, +2.2% vs a year ago.
- Delinquency rate 0.95%.
- Return on assets 0.47%.
- Efficiency ratio 82.07% vs a 73.02% peer average.
- Loan-to-share ratio 77.70% vs a 84.71% 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 |
109,705
+2.2% YoY+0.8% QoQ
|
+12.8K |
96,861
-1.9% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$2.4B
+6.1% YoY+0.2% QoQ
|
+$653.8M |
$1.7B
+0.4% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$1.7B
-0.9% YoY+0.1% QoQ
|
+$421.1M |
$1.2B
+0.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$2.1B
+5.9% YoY+0.1% QoQ
|
+$667.0M |
$1.5B
+0.5% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
Top 14.3% in tier |
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| ROA |
0.5%
+2.8% YoY+13.7% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
3.2%
+0.8% YoY+1.3% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
82.1%
-0.1% YoY-0.6% QoQ
|
+9.1% |
73.0%
-2.7% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
85% |
| Delinquency Rate |
1.0%
+22.7% YoY+37.1% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
77.7%
-6.4% YoY+0.0% QoQ
|
-7.0% |
84.7%
+0.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$34,507
+0.6% YoY-0.7% QoQ
|
+$5K |
$29,575
+1.5% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration |
35.1%
+2.3% YoY+1.1% QoQ
|
+6.0% | 29.1% | 29.4% | 20.0% | 76% |
| Indirect Auto % |
16.4%
-8.7% YoY-2.5% QoQ
|
-1.7% | 18.1% | 8.1% | 7.7% | 52% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)