BlastPoint's Credit Union Scorecard
LEVO
Charter #60 · SD
LEVO has 4 strengths but faces 8 concerns
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
- + Wallet Share Momentum: Top 5.0% in tier
- + Net Interest Margin 0.58% above tier average
- + AMR Growth Rate: Top 3.6% in tier
- + First Mortgage Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.0% in tier
- - Institutional Decline: Bottom 20.4% in tier
- - Membership Headwinds: Bottom 97.5% in tier
- - Stagnation Risk: Bottom 97.5% in tier
- - ROA 0.06% below tier average
- - Delinquency rate 0.68% above tier average
- - Member decline: -10.7% YoY
- - Member Growth Rate: Bottom 3.0% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in South Dakota.
- Shares and deposits +2.6% year over year ($454M in shares and deposits).
- Membership: 32,939 members, -10.7% vs a year ago.
- Delinquency rate 1.49%.
- Return on assets 0.76%.
- Efficiency ratio 74.13% vs a 76.56% peer average.
- Loan-to-share ratio 72.29% vs a 79.33% 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 |
32,939
-10.7% YoY-11.7% QoQ
|
-5.0K |
37,897
-5.0% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$516.0M
+3.9% YoY-2.0% QoQ
|
$-106.4M |
$622.4M
+0.6% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 7.9% in tier |
| Loans |
$327.9M
-0.6% YoY-0.2% QoQ
|
$-100.6M |
$428.5M
-0.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
Bottom 13.9% in tier |
| Deposits |
$453.5M
+2.6% YoY-2.9% QoQ
|
$-86.2M |
$539.8M
+0.9% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.3% in tier |
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| ROA |
0.8%
+4.4% YoY+14.9% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
51% |
| NIM |
4.1%
+1.7% YoY+3.0% QoQ
|
+0.6% |
3.5%
+5.0% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
Top 12.7% in tier |
| Efficiency Ratio |
74.1%
+0.1% YoY-0.9% QoQ
|
-2.4% |
76.6%
-3.6% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
33% |
| Delinquency Rate |
1.5%
+24.5% YoY-5.5% QoQ
|
+0.7 |
0.8%
+3.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.3% in tier |
| Loan To Share |
72.3%
-3.1% YoY+2.8% QoQ
|
-7.0% |
79.3%
-1.4% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$23,722
+13.4% YoY+11.2% QoQ
|
$-4K |
$27,294
+4.1% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
22.3%
-4.1% YoY-2.1% QoQ
|
-2.3% | 24.6% | 29.4% | 20.0% | 42% |
| Indirect Auto % |
10.0%
-20.0% YoY-5.0% QoQ
|
-3.6% | 13.6% | 8.1% | 7.7% | 54% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)