BlastPoint's Credit Union Scorecard
COTEAU VALLEY
Charter #6992 · SD
COTEAU VALLEY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 4.4% in tier
- + Deposit Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.24% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,176
+2.2% YoY+0.5% QoQ
|
-449 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$18.4M
+13.2% YoY-0.2% QoQ
|
$-11.4M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$9.8M
-3.5% YoY-1.3% QoQ
|
$-5.9M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
51% |
| Deposits |
$16.9M
+13.2% YoY-0.1% QoQ
|
$-8.6M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
48% |
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| ROA |
0.9%
+51.9% YoY+0.6% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
58% |
| NIM |
3.7%
+3.4% YoY+2.9% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
43% |
| Efficiency Ratio |
81.6%
+0.4% YoY+0.7% QoQ
|
+0.2% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.6%
-32.7% YoY+144.0% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
58.4%
-14.7% YoY-1.2% QoQ
|
-2.9% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$12,279
+4.1% YoY-1.0% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
59.3%
+7.4% YoY+1.3% QoQ
|
+34.9% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.9%
+0.1% 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)