BlastPoint's Credit Union Scorecard

COTEAU VALLEY

Charter #6992 · SD

<100M

2508 CUs in <100M nationally 21 in SD

COTEAU VALLEY has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.29% above tier average

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 1.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	2,216 +3.1% YoY+1.2% QoQ	-460	2,676 +1.6% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	56%
Assets	$18.9M +3.3% YoY+6.8% QoQ	$-11.3M	$30.2M +1.3% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	47%
Loans	$10.2M +2.6% YoY+2.2% QoQ	$-5.1M	$15.3M -2.0% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	52%
Deposits	$17.4M +4.6% YoY+7.8% QoQ	$-8.3M	$25.8M +0.7% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -33.3% YoY-58.9% QoQ	+0.3%	0.1% -77.6% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	41%
NIM	4.0% +10.1% YoY+0.4% QoQ	+0.0%	4.0% +4.0% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	90.2% +5.9% YoY+13.8% QoQ	-0.4%	90.6% +6.5% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	69%
Delinquency Rate	0.4% -45.2% YoY+5.4% QoQ	-1.1	1.5% +3.8% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	41%
Loan To Share	58.4% -1.8% YoY-5.2% QoQ	-0.1%	58.5% -3.0% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	50%
AMR	$12,465 +0.8% YoY+4.4% QoQ	$-2K	$14,884 -1.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	41%
CD Concentration	59.4% +5.5% YoY+1.7% QoQ	+35.1%	24.3%	28.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

290

Member Growth Rate

growth

Value: 3.07%

Peer Median: -1.37%

#290 of 2508 Top 11.5% in <100M tier

443

Fee Income Per Member

profitability

Value: $128.34

Peer Median: $60.42

#443 of 2508 Top 17.6% in <100M tier

Top Weaknesses (4 metrics)

2468

Share Certificate Concentration (%)

balance_sheet

Value: 59.36%

Peer Median: 12.45%

#2468 of 2508 Bottom 1.6% in <100M tier

2138

Net Charge-Off Rate

risk

Value: 0.94%

Peer Median: 0.07%

#2138 of 2508 Bottom 14.8% in <100M tier

2127

Net Worth Ratio

risk

Value: 9.73%

Peer Median: 14.28%

#2127 of 2508 Bottom 15.2% in <100M tier

2032

First Mortgage Concentration (%)

balance_sheet

Value: 32.04%

Peer Median: 3.66%

#2032 of 2508 Bottom 19.0% in <100M tier