BlastPoint's Credit Union Scorecard

DAKOTA WEST

Charter #62380 · ND

100M-500M

1024 CUs in 100M-500M nationally 8 in ND

DAKOTA WEST has 6 strengths but faces 7 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.21% above tier average
+ Average Member Relationship (AMR): Top 1.2% in tier
+ Fee Income Per Member: Top 2.3% in tier
+ Loan-to-Member Ratio (LMR): Top 2.3% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Delinquency rate 2.26% above tier average
- Members Per Employee (MPE): Bottom 0.2% in tier
- Total Delinquency Rate (60+ days): Bottom 2.1% in tier
- AMR Growth Rate: Bottom 5.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in North Dakota.
Shares and deposits -1.6% year over year ($283M in shares and deposits).
Membership: 7,261 members, +1.5% vs a year ago.
Delinquency rate 3.14%.
Return on assets 1.07%.
Efficiency ratio 74.59% vs a 76.73% peer average.
Loan-to-share ratio 58.78% vs a 71.54% 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 (ND)	National Avg	Tier Percentile
Members	7,261 +1.5% YoY+0.8% QoQ	-7.9K	15,168 -2.6% YoY	7,460 +0.8% YoY	34,678 +6.6% YoY	Bottom 13.4% in tier
Assets	$326.5M -0.3% YoY-3.7% QoQ	+$94.5M	$232.0M +0.7% YoY	$208.5M +5.1% YoY	$593.1M +10.2% YoY	78%
Loans	$166.2M -4.0% YoY+3.4% QoQ	+$20.0M	$146.3M +0.2% YoY	$145.2M +6.5% YoY	$418.6M +10.1% YoY	67%
Deposits	$282.8M -1.6% YoY-4.3% QoQ	+$82.1M	$200.7M +0.2% YoY	$172.0M +4.3% YoY	$504.8M +10.3% YoY	78%

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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	1.1% +99.7% YoY+46.2% QoQ	+0.2%	0.9% +12.5% YoY	1.0% +21.3% YoY	1.2% +121.4% YoY	69%
NIM	3.6% +8.4% YoY+11.5% QoQ	-0.1%	3.7% +4.5% YoY	3.5% +5.1% YoY	3.8% +2.3% YoY	44%
Efficiency Ratio	74.6% -4.4% YoY-7.7% QoQ	-2.1%	76.7% -0.8% YoY	72.1% -4.3% YoY	83.0% -5.3% YoY	40%
Delinquency Rate	3.1% -35.7% YoY-26.7% QoQ	+2.3	0.9% +6.6% YoY	1.2% +16.1% YoY	1.3% +2.6% YoY	Bottom 2.1% in tier
Loan To Share	58.8% -2.4% YoY+8.0% QoQ	-12.8%	71.5% -0.3% YoY	70.1% -2.4% YoY	66.4% -1.4% YoY	24%
AMR	$61,836 -4.0% YoY-2.4% QoQ	+$37K	$25,107 +3.2% YoY	$32,936 +2.3% YoY	$20,028 -0.9% YoY	Top 1.3% in tier
CD Concentration	24.2% +8.9% YoY+2.3% QoQ	-0.3%	24.6%	22.7%	20.0%	50%
Indirect Auto %	0.9% -37.7% YoY-6.4% QoQ	-12.8%	13.6%	1.2%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#216 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.52%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.07%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.85%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Organic Growth Leader

growth

#249 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.52%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.85%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Concerns (3)

Wealth Migration Risk

decline

#3 of 13 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $61.8K

(Tier: $25.7K, National: $20.0K)

but better than tier avg

AMR Growth (YoY): -3.97%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

13 of 1024 Mid-Small & Community CUs have this signature | 24 nationally

↓ Shrinking -13 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#68 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.97%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Deposit Outflow

decline

#53 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.63%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.52%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 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 1024 peers in tier

Top Strengths (7 metrics)

Average Member Relationship (AMR)

engagement

Value: $61,836

Peer Median: $23,006

#13 of 1024 Top 1.2% in 100M-500M tier

Fee Income Per Member

profitability

Value: $352.31

Peer Median: $159.88

#25 of 1024 Top 2.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,892

Peer Median: $9,434

#25 of 1024 Top 2.3% in 100M-500M tier

222

Total Deposits

balance_sheet

Value: $282.77M

Peer Median: $170.77M

#222 of 1024 Top 21.6% in 100M-500M tier

226

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.34%

#226 of 1024 Top 22.0% in 100M-500M tier

229

Total Assets

balance_sheet

Value: $326.54M

Peer Median: $196.38M

#229 of 1024 Top 22.3% in 100M-500M tier

235

Net Worth Ratio

risk

Value: 14.17%

Peer Median: 11.71%

#235 of 1024 Top 22.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1023

Members Per Employee (MPE)

engagement

Value: 132.018

Peer Median: 310.924

#1023 of 1024 Bottom 0.2% in 100M-500M tier

1003

Total Delinquency Rate (60+ days)

risk

Value: 3.14%

Peer Median: 0.71%

#1003 of 1024 Bottom 2.1% in 100M-500M tier

969

AMR Growth Rate

growth

Value: -3.97%

Peer Median: 3.53%

#969 of 1024 Bottom 5.5% in 100M-500M tier

904

Deposit Growth Rate

growth

Value: -1.63%

Peer Median: 3.58%

#904 of 1024 Bottom 11.8% in 100M-500M tier

891

Loan Growth Rate

growth

Value: -3.96%

Peer Median: 3.02%

#891 of 1024 Bottom 13.1% in 100M-500M tier

887

Total Members

engagement

Value: 7,261

Peer Median: 13,128

#887 of 1024 Bottom 13.5% in 100M-500M tier

866

Asset Growth Rate

growth

Value: -0.29%

Peer Median: 4.12%

#866 of 1024 Bottom 15.5% in 100M-500M tier

779

Loan-to-Share Ratio

balance_sheet

Value: 58.78%

Peer Median: 73.07%

#779 of 1024 Bottom 24.0% in 100M-500M tier