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 1.18% above tier average
- + Total Loans: Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.5% in tier
- + Average Member Relationship (AMR): Top 1.1% in tier
- + Total Deposits: Top 2.2% in tier
- + Total Assets: Top 2.3% in tier
- + Loan-to-Share Ratio: Top 2.9% in tier
- + Fee Income Per Member: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Member decline: -4.7% YoY
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
- - Members Per Employee (MPE): Bottom 9.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits +2.3% year over year ($81.1M in shares and deposits).
- Membership: 4,097 members, -4.7% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 0.87%.
- Efficiency ratio 80.32% vs a 88.77% peer average.
- Loan-to-share ratio 100.66% vs a 58.89% 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 |
4,097
-4.7% YoY-2.1% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$93.3M
+2.1% YoY-1.2% QoQ
|
+$63.1M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Top 2.3% in tier |
| Loans |
$81.6M
-0.4% YoY+3.6% QoQ
|
+$66.2M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Top 0.1% in tier |
| Deposits |
$81.1M
+2.3% YoY-1.6% QoQ
|
+$55.3M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 2.3% in tier |
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| ROA |
0.9%
-811.9% YoY+30.4% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
5.1%
+14.6% YoY+0.3% QoQ
|
+1.2% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
80.3%
-17.6% YoY-2.5% QoQ
|
-8.4% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
1.0%
-48.5% YoY-47.0% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
100.7%
-2.6% YoY+5.3% QoQ
|
+41.8% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Top 3.0% in tier |
| AMR |
$39,722
+5.9% YoY+3.1% QoQ
|
+$25K |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 1.2% in tier |
| CD Concentration |
23.2%
-3.3% YoY+11.3% QoQ
|
-1.3% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
9.5%
-4.1% YoY+23.1% QoQ
|
-4.2% | 13.6% | 1.2% | 7.7% | 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)