BlastPoint's Credit Union Scorecard

DAKOTA WEST

Charter #62380 · ND

1077 CUs in 100M-500M nationally 9 in ND

DAKOTA WEST has 3 strengths but faces 10 concerns

National Analysis

How does the industry compare?

ND Analysis

How does ND stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 57.0% in tier
+ Average Member Relationship (AMR): Top 0.8% in tier
+ Loan-to-Member Ratio (LMR): Top 1.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.2% in tier
- Stagnation Risk: Bottom 17.0% in tier
- Membership Headwinds: Bottom 22.7% in tier
- Efficiency Drag: Bottom 27.5% in tier
- Institutional Decline: Bottom 28.1% in tier
- ROA 0.38% below tier average
- Efficiency ratio 3.11% above tier (higher cost structure)
- Delinquency rate 1.85% above tier average
- Members Per Employee (MPE): Bottom 0.5% in tier
- Total Delinquency Rate (60+ days): Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	7,217 -1.6% YoY+0.9% QoQ	-8.4K	15,628 -3.4% YoY	7,412 -0.5% YoY	33,089 +6.1% YoY	Bottom 11.9% in tier
Assets	$335.0M +4.9% YoY+2.3% QoQ	+$103.7M	$231.3M -0.0% YoY	$201.0M +5.9% YoY	$547.7M +7.8% YoY	79%
Loans	$171.9M -0.5% YoY-0.7% QoQ	+$24.1M	$147.8M -1.4% YoY	$137.9M +2.5% YoY	$388.7M +8.6% YoY	67%
Deposits	$292.5M +4.4% YoY+1.7% QoQ	+$92.2M	$200.3M -0.0% YoY	$165.9M +4.4% YoY	$464.6M +9.3% YoY	80%

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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% -59.2% YoY-23.4% QoQ	-0.4%	0.8% +15.5% YoY	0.9% -6.7% YoY	0.7% +273.4% YoY	26%
NIM	3.4% +1.4% YoY+3.8% QoQ	-0.2%	3.6% +6.9% YoY	3.4% +7.4% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	80.4% +10.5% YoY+3.0% QoQ	+3.1%	77.3% -3.0% YoY	74.0% -24.8% YoY	79.1% -3.3% YoY	62%
Delinquency Rate	2.7% +527.8% YoY-44.6% QoQ	+1.8	0.9% +7.6% YoY	0.9% -3.9% YoY	1.2% -0.9% YoY	Top 3.0% in tier
Loan To Share	58.8% -4.7% YoY-2.4% QoQ	-13.9%	72.7% -1.5% YoY	72.0% -4.4% YoY	68.0% -1.7% YoY	20%
AMR	$64,347 +4.2% YoY-0.1% QoQ	+$40K	$24,363 +2.9% YoY	$32,427 +3.2% YoY	$19,418 +1.3% YoY	Top 0.9% in tier
CD Concentration	23.9% +12.9% YoY+7.2% QoQ	-0.5%	24.4% +4.2% YoY	22.4% +2.4% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	1.2% -44.3% YoY-15.2% QoQ	-12.8%	14.0% -5.7% YoY	1.1% -2.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#147 of 257 • Top 57.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.18%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $12.2K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#6 of 736 • Bottom 0.2% in tier

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

Why This Signature

Delinquency Change (YoY): 2.27% 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 | New qualifier

Stagnation Risk

risk

#280 of 550 • Bottom 17.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.51%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.71%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#375 of 550 • Bottom 22.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#485 of 521 • Bottom 27.5% in tier

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

Why This Signature

Efficiency Ratio: 80.39%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.60% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | New qualifier

Institutional Decline

decline

#222 of 256 • Bottom 28.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $335.02M

(Tier: $331.87M, National: $547.69M)

but better than tier avg

Member Growth (YoY): -1.58%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.51%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

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 (5 metrics)

Average Member Relationship (AMR)

engagement

Value: $64,347

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $23,820

Peer Avg: -

#21 of 1077 Top 1.9% in 100M-500M tier

212

Total Deposits

balance_sheet

Value: $292.48M

Peer Avg: -

#212 of 1077 Top 19.6% in 100M-500M tier

213

Net Charge-Off Rate

risk

Value: 0.13%

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

228

Total Assets

balance_sheet

Value: $335.02M

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1073

Members Per Employee (MPE)

engagement

Value: 138.788

Peer Avg: -

#1073 of 1077 Bottom 0.5% in 100M-500M tier

1046

Total Delinquency Rate (60+ days)

risk

Value: 2.71%

Peer Avg: -

#1046 of 1077 Bottom 3.0% in 100M-500M tier

949

Total Members

engagement

Value: 7,217

Peer Avg: -

#949 of 1077 Bottom 12.0% in 100M-500M tier

860

Loan-to-Share Ratio

balance_sheet

Value: 58.78%

Peer Avg: -

#860 of 1077 Bottom 20.2% in 100M-500M tier