BlastPoint's Credit Union Scorecard
DAKOTA PLAINS
Charter #63613 · ND
DAKOTA PLAINS has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.63% above tier average
- + Total Loans: Top 0.2% in tier
- + Loan-to-Member Ratio (LMR): Top 0.7% in tier
- + Total Assets: Top 0.7% in tier
- + Total Deposits: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Share Ratio: Top 7.1% in tier
- + Fee Income Per Member: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 9.34% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 8.7% in tier
- - Members Per Employee (MPE): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,241
-0.1% YoY-1.3% QoQ
|
+1.6K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$97.9M
+4.8% YoY+4.3% QoQ
|
+$67.8M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Top 0.7% in tier |
| Loans |
$80.8M
+4.9% YoY-4.6% QoQ
|
+$65.1M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 0.2% in tier |
| Deposits |
$85.8M
+5.1% YoY+8.3% QoQ
|
+$60.1M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Top 0.9% in tier |
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| ROA |
0.3%
-53.9% YoY+77.3% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
4.6%
+10.2% YoY-1.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
91.9%
+3.5% YoY-2.8% QoQ
|
+9.3% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.4%
+37.7% YoY+23.1% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
94.2%
-0.2% YoY-11.9% QoQ
|
+33.6% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 7.2% in tier |
| AMR |
$39,296
+5.1% YoY+3.0% QoQ
|
+$25K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 1.3% in tier |
| CD Concentration |
23.8%
-9.0% YoY+4.9% QoQ
|
-0.6% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % |
10.8%
+133.6% YoY+0.2% QoQ
|
-3.0% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)