BlastPoint's Credit Union Scorecard
COTEAU VALLEY
Charter #6992 · SD
COTEAU VALLEY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Delinquency rate 0.43% above tier average
- - Share Certificate Concentration (%): Bottom 1.3% 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 21 that size in South Dakota.
- Shares and deposits +2.7% year over year ($17.4M in shares and deposits).
- Membership: 2,232 members, +3.0% vs a year ago.
- Delinquency rate 1.98%.
- Return on assets 0.67%.
- Efficiency ratio 85.75% vs a 88.77% peer average.
- Loan-to-share ratio 58.12% 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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,232
+3.0% YoY+0.7% QoQ
|
-353 |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$18.8M
+2.1% YoY-0.3% QoQ
|
$-11.5M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
46% |
| Loans |
$10.1M
+1.0% YoY-0.9% QoQ
|
$-5.4M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
52% |
| Deposits |
$17.4M
+2.7% YoY-0.5% QoQ
|
$-8.4M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
48% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-27.4% YoY+53.2% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
4.3%
+19.1% YoY+6.8% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
85.8%
+5.7% YoY-4.9% QoQ
|
-3.0% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
2.0%
+680.3% YoY+346.2% QoQ
|
+0.4 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
78% |
| Loan To Share |
58.1%
-1.6% YoY-0.5% QoQ
|
-0.8% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
49% |
| AMR |
$12,295
-0.9% YoY-1.4% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
61.1%
+4.3% YoY+2.9% QoQ
|
+36.5% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.1% | 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)