BlastPoint's Credit Union Scorecard

DAKOTA WEST

Charter #62380 · ND

100M-500M

1070 CUs in 100M-500M nationally 8 in ND

DAKOTA WEST has 5 strengths but faces 8 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 0.8% in tier
+ Loan-to-Member Ratio (LMR): Top 2.1% in tier
+ Fee Income Per Member: Top 6.5% 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
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 2.82% above tier (higher cost structure)
- Delinquency rate 3.51% above tier average
- Members Per Employee (MPE): Bottom 0.2% in tier
- Total Delinquency Rate (60+ days): Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Members	7,200 +1.7% YoY+0.0% QoQ	-7.9K	15,145 -2.5% YoY	7,403 +0.4% YoY	33,913 +5.7% YoY	Bottom 13.0% in tier
Assets	$339.2M -0.1% YoY+0.9% QoQ	+$107.4M	$231.7M +0.8% YoY	$208.9M +6.8% YoY	$578.3M +9.0% YoY	79%
Loans	$160.8M -4.4% YoY-3.5% QoQ	+$16.7M	$144.1M +0.2% YoY	$139.0M +4.5% YoY	$402.4M +8.7% YoY	66%
Deposits	$295.5M -1.7% YoY+1.1% QoQ	+$94.4M	$201.1M +0.4% YoY	$173.7M +3.7% YoY	$494.3M +9.1% 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	0.7% +75.0% YoY+58.4% QoQ	+0.0%	0.7% +5.1% YoY	0.9% +42.2% YoY	0.4% -39.2% YoY	53%
NIM	3.2% +0.2% YoY-4.7% QoQ	-0.4%	3.6% +4.6% YoY	3.4% +5.6% YoY	3.8% +4.1% YoY	25%
Efficiency Ratio	80.8% +4.6% YoY-0.3% QoQ	+2.8%	78.0% -1.7% YoY	74.3% -6.4% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	4.3% -16.2% YoY+54.6% QoQ	+3.5	0.8% +7.1% YoY	0.8% -32.8% YoY	1.2% +3.4% YoY	Bottom 0.7% in tier
Loan To Share	54.4% -2.7% YoY-4.6% QoQ	-16.0%	70.4% -0.4% YoY	68.7% -2.0% YoY	65.6% -1.4% YoY	17%
AMR	$63,380 -4.3% YoY-0.6% QoQ	+$38K	$24,918 +2.7% YoY	$32,943 +1.9% YoY	$19,920 +1.6% YoY	Top 0.9% in tier
CD Concentration	23.7% +8.6% YoY-4.3% QoQ	-0.6%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.9% -43.3% YoY-12.3% QoQ	-12.9%	13.8%	1.1%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#247 of 371 • 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): 1.74%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.91%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#265 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.74%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.73%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.91%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (4)

Wealth Migration Risk

decline

#4 of 20 • 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: $63.4K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -4.30%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | New qualifier

Shrinking Wallet Share

decline

#73 of 238 • 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): -4.30%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Deposit Outflow

decline

#44 of 72 • 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): -1.68%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.74%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk

#494 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 80.84%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.31% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.74%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (6 metrics)

Average Member Relationship (AMR)

engagement

Value: $63,380

Peer Median: $22,931

#10 of 1070 Top 0.8% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,333

Peer Median: $9,356

#24 of 1070 Top 2.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $284.19

Peer Median: $154.95

#71 of 1070 Top 6.5% in 100M-500M tier

193

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.35%

#193 of 1070 Top 17.9% in 100M-500M tier

210

Total Deposits

balance_sheet

Value: $295.53M

Peer Median: $171.29M

#210 of 1070 Top 19.5% in 100M-500M tier

220

Total Assets

balance_sheet

Value: $339.16M

Peer Median: $196.57M

#220 of 1070 Top 20.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1069

Members Per Employee (MPE)

engagement

Value: 133.333

Peer Median: 309.176

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1064

Total Delinquency Rate (60+ days)

risk

Value: 4.28%

Peer Median: 0.61%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1006

AMR Growth Rate

growth

Value: -4.30%

Peer Median: 3.46%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

947

Deposit Growth Rate

growth

Value: -1.68%

Peer Median: 3.30%

#947 of 1070 Bottom 11.6% in 100M-500M tier

932

Loan Growth Rate

growth

Value: -4.35%

Peer Median: 2.93%

#932 of 1070 Bottom 13.0% in 100M-500M tier

931

Total Members

engagement

Value: 7,200

Peer Median: 13,200

#931 of 1070 Bottom 13.1% in 100M-500M tier

893

Asset Growth Rate

growth

Value: -0.14%

Peer Median: 3.91%

#893 of 1070 Bottom 16.6% in 100M-500M tier

891

Loan-to-Share Ratio

balance_sheet

Value: 54.41%

Peer Median: 71.88%

#891 of 1070 Bottom 16.8% in 100M-500M tier

804

Net Interest Margin (NIM)

profitability

Value: 3.21%

Peer Median: 3.62%

#804 of 1070 Bottom 25.0% in 100M-500M tier