BlastPoint's Credit Union Scorecard
DAKOTA PLAINS
Charter #63613 · ND
DAKOTA PLAINS has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
- + Total Loans: Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Share Ratio: Top 1.9% in tier
- + Total Assets: Top 2.2% in tier
- + Total Deposits: Top 2.9% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 13.16% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,298
+1.2% YoY+0.0% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$93.9M
+6.5% YoY+2.7% QoQ
|
+$64.1M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 2.2% in tier |
| Loans |
$84.7M
+10.6% YoY+3.4% QoQ
|
+$69.0M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
Top 0.0% in tier |
| Deposits |
$79.2M
+3.7% YoY-0.1% QoQ
|
+$53.8M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 3.0% in tier |
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| ROA |
0.2%
-81.6% YoY-229.6% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
4.7%
+10.7% YoY+5.1% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
94.6%
+9.7% YoY-2.9% QoQ
|
+13.2% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.1%
+6.9% YoY-40.8% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
107.0%
+6.6% YoY+3.5% QoQ
|
+45.8% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Top 2.1% in tier |
| AMR |
$38,147
+5.9% YoY+1.7% QoQ
|
+$24K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
Top 1.3% in tier |
| CD Concentration |
22.7%
-28.8% YoY-5.5% QoQ
|
-1.7% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.8%
+342.0% YoY+9.2% QoQ
|
-3.2% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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)