BlastPoint's Credit Union Scorecard

DAKOTA WEST

Charter #62380 · ND

1069 CUs in 100M-500M nationally 8 in ND

DAKOTA WEST has 4 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 45.9% in tier
  • + Organic Growth Engine: Top 70.5% in tier
  • + Average Member Relationship (AMR): Top 0.8% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.0% in tier
  • - Shrinking Wallet Share: Bottom 63.8% in tier
  • - Efficiency Drag: Bottom 94.0% in tier
  • - ROA 0.30% below tier average
  • - Efficiency ratio 4.03% above tier (higher cost structure)
  • - Delinquency rate 1.88% above tier average
  • - Members Per Employee (MPE): Bottom 0.6% in tier
  • - Total Delinquency Rate (60+ days): Bottom 2.9% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 7,199
+2.8% YoY-0.2% QoQ
 -8.2K 15,437
-2.9% YoY
 7,403
+0.2% YoY
 33,374
+5.7% YoY
 Bottom 12.1% in tier
Assets $336.1M
+3.1% YoY+0.3% QoQ
 +$104.2M $231.9M
+1.3% YoY
 $203.1M
+5.7% YoY
 $561.6M
+9.7% YoY
 79%
Loans $166.7M
+0.1% YoY-3.0% QoQ
 +$19.4M $147.3M
-0.1% YoY
 $138.6M
+3.3% YoY
 $397.0M
+8.8% YoY
 66%
Deposits $292.3M
+1.3% YoY-0.1% QoQ
 +$91.5M $200.8M
+0.8% YoY
 $169.6M
+4.0% YoY
 $477.3M
+9.7% YoY
 80%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.5%
-52.0% YoY+12.6% QoQ
 -0.3% 0.8%
+18.2% YoY
 0.8%
+5.9% YoY
 0.7%
+15.9% YoY
 28%
NIM 3.4%
+1.0% YoY-1.7% QoQ
 -0.2% 3.6%
+6.7% YoY
 3.3%
+8.5% YoY
 3.8%
+5.1% YoY
 36%
Efficiency Ratio 81.0%
+9.6% YoY+0.8% QoQ
 +4.0% 77.0%
-3.1% YoY
 75.8%
-12.1% YoY
 79.7%
-3.3% YoY
 63%
Delinquency Rate 2.8%
+216.4% YoY+2.3% QoQ
 +1.9 0.9%
+4.2% YoY
 0.9%
+9.0% YoY
 1.3%
-2.1% YoY
 Top 2.9% in tier
Loan To Share 57.0%
-1.2% YoY-3.0% QoQ
 -15.2% 72.2%
-1.1% YoY
 70.8%
-2.6% YoY
 67.4%
-1.7% YoY
 18%
AMR $63,757
-1.9% YoY-0.9% QoQ
 +$39K $24,676
+3.4% YoY
 $32,845
+1.7% YoY
 $19,687
+2.0% YoY
 Top 0.9% in tier
CD Concentration 24.8%
+18.0% YoY+3.7% QoQ
 +0.3% 24.4% 22.6% 19.8% 50%
Indirect Auto % 1.0%
-45.9% YoY-10.5% QoQ
 -12.8% 13.8% 1.1% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#196 of 426 • Top 45.9% in tier

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

Why This Signature
Member Growth (YoY): 2.80%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 1.04%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth
#420 of 595 • Top 70.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.80%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.46%
(Tier: 0.75%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 1.04%
(Tier: 13.79%, National: 7.78%)
better than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#8 of 705 • Bottom 1.0% in tier

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

Why This Signature
Delinquency Change (YoY): 1.89% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#133 of 208 • Bottom 63.8% in tier

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

Why This Signature
AMR Growth (YoY): -1.91%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

Efficiency Drag

risk
#506 of 538 • Bottom 94.0% in tier

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

Why This Signature
Efficiency Ratio: 81.05%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.50% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 2.80%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 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)

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

10
Average Member Relationship (AMR)
engagement
Value: $63,757
Peer Median: -
#10 of 1069 Top 0.8% in 100M-500M tier
24
Loan-to-Member Ratio (LMR)
engagement
Value: $23,158
Peer Median: -
#24 of 1069 Top 2.2% in 100M-500M tier
186
Net Charge-Off Rate
risk
Value: 0.12%
Peer Median: -
#186 of 1069 Top 17.3% in 100M-500M tier
215
Total Deposits
balance_sheet
Value: $292.27M
Peer Median: -
#215 of 1069 Top 20.0% in 100M-500M tier
225
Total Assets
balance_sheet
Value: $336.09M
Peer Median: -
#225 of 1069 Top 21.0% in 100M-500M tier
228
Member Growth Rate
growth
Value: 2.80%
Peer Median: -
#228 of 1069 Top 21.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1064
Members Per Employee (MPE)
engagement
Value: 138.442
Peer Median: -
#1064 of 1069 Bottom 0.6% in 100M-500M tier
1039
Total Delinquency Rate (60+ days)
risk
Value: 2.77%
Peer Median: -
#1039 of 1069 Bottom 2.9% in 100M-500M tier
958
AMR Growth Rate
growth
Value: -1.91%
Peer Median: -
#958 of 1069 Bottom 10.5% in 100M-500M tier
940
Total Members
engagement
Value: 7,199
Peer Median: -
#940 of 1069 Bottom 12.2% in 100M-500M tier
872
Loan-to-Share Ratio
balance_sheet
Value: 57.04%
Peer Median: -
#872 of 1069 Bottom 18.5% in 100M-500M tier
806
Deposit Growth Rate
growth
Value: 1.28%
Peer Median: -
#806 of 1069 Bottom 24.7% in 100M-500M tier
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