BlastPoint's Credit Union Scorecard

LEVO

Charter #60 · SD

1077 CUs in 100M-500M nationally 10 in SD

LEVO has 10 strengths but faces 4 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 4.4% in tier
+ Organic Growth Engine: Top 10.9% in tier
+ Net Interest Margin 0.56% above tier average
+ Strong member growth: 6.1% YoY
+ Total Deposits: Top 0.1% in tier
+ Total Assets: Top 0.4% in tier
+ Total Members: Top 2.5% in tier
+ Total Loans: Top 3.2% in tier
+ Member Growth Rate: Top 7.1% in tier
+ Loan Growth Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.9% in tier
- Credit Quality Pressure: Bottom 10.8% in tier
- ROA 0.02% below tier average
- Delinquency rate 0.66% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	37,177 +6.1% YoY+0.8% QoQ	+21.5K	15,628 -3.4% YoY	10,608 +2.1% YoY	33,089 +6.1% YoY	Top 2.6% in tier
Assets	$497.8M +7.5% YoY+0.2% QoQ	+$266.5M	$231.3M -0.0% YoY	$179.2M +3.1% YoY	$547.7M +7.8% YoY	Top 0.5% in tier
Loans	$331.0M +14.6% YoY+0.4% QoQ	+$183.2M	$147.8M -1.4% YoY	$123.6M +0.8% YoY	$388.7M +8.6% YoY	Top 3.2% in tier
Deposits	$441.8M +7.2% YoY-0.1% QoQ	+$241.5M	$200.3M -0.0% YoY	$158.4M +5.8% YoY	$464.6M +9.3% YoY	Top 0.2% 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	0.8% +22.8% YoY+6.5% QoQ	-0.0%	0.8% +15.5% YoY	1.2% +16.1% YoY	0.7% +273.4% YoY	51%
NIM	4.1% +17.8% YoY+2.6% QoQ	+0.6%	3.6% +6.9% YoY	4.1% +10.1% YoY	3.7% +5.0% YoY	81%
Efficiency Ratio	72.7% -5.4% YoY-1.9% QoQ	-4.6%	77.3% -3.0% YoY	76.3% -2.5% YoY	79.1% -3.3% YoY	33%
Delinquency Rate	1.5% +24.0% YoY+27.0% QoQ	+0.7	0.9% +7.6% YoY	0.8% -9.0% YoY	1.2% -0.9% YoY	Top 13.8% in tier
Loan To Share	74.9% +6.9% YoY+0.4% QoQ	+2.2%	72.7% -1.5% YoY	74.1% -0.2% YoY	68.0% -1.7% YoY	51%
AMR	$20,786 +3.9% YoY-0.7% QoQ	$-4K	$24,363 +2.9% YoY	$21,356 +3.4% YoY	$19,418 +1.3% YoY	41%
CD Concentration	23.6% -1.0% YoY+1.8% QoQ	-0.8%	24.4% +4.2% YoY	28.6% +2.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.2% -7.4% YoY-3.0% QoQ	-1.8%	14.0% -5.7% YoY	7.9% +0.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#59 of 430 • Top 4.4% in tier

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

Why This Signature

Member Growth (YoY): 6.11%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 12.17%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#200 of 603 • Top 10.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 6.11%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.77%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 12.17%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (2)

Credit Risk Growth

risk

#45 of 446 • Bottom 2.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 14.57%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.29% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#269 of 736 • Bottom 10.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.29% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (9 metrics)

Total Deposits

balance_sheet

Value: $441.77M

Peer Avg: -

#2 of 1077 Top 0.1% in 100M-500M tier

Total Assets

balance_sheet

Value: $497.78M

Peer Avg: -

#5 of 1077 Top 0.4% in 100M-500M tier

Total Members

engagement

Value: 37,177

Peer Avg: -

#28 of 1077 Top 2.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $330.97M

Peer Avg: -

#35 of 1077 Top 3.2% in 100M-500M tier

Member Growth Rate

growth

Value: 6.11%

Peer Avg: -

#77 of 1077 Top 7.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 14.57%

Peer Avg: -

#78 of 1077 Top 7.1% in 100M-500M tier

208

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Avg: -

#208 of 1077 Top 19.2% in 100M-500M tier

236

Asset Growth Rate

growth

Value: 7.52%

Peer Avg: -

#236 of 1077 Top 21.8% in 100M-500M tier

252

Deposit Growth Rate

growth

Value: 7.18%

Peer Avg: -

#252 of 1077 Top 23.3% in 100M-500M tier

Top Weaknesses (2 metrics)

929

Total Delinquency Rate (60+ days)

risk

Value: 1.52%

Peer Avg: -

#929 of 1077 Bottom 13.8% in 100M-500M tier

901

Net Charge-Off Rate

risk

Value: 0.78%

Peer Avg: -

#901 of 1077 Bottom 16.4% in 100M-500M tier