BlastPoint's Credit Union Scorecard

M O

Charter #7020 · SD

<100M

2508 CUs in <100M nationally 21 in SD

M O has 3 strengths 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 1.13% above tier average
+ Average Member Relationship (AMR): Top 2.9% in tier
+ Loan-to-Member Ratio (LMR): Top 4.0% in tier

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	1,759 -1.7% YoY-0.8% QoQ	-917	2,676 +1.6% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	46%
Assets	$41.4M -4.9% YoY-2.4% QoQ	+$11.2M	$30.2M +1.3% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	70%
Loans	$22.0M -0.9% YoY-1.1% QoQ	+$6.7M	$15.3M -2.0% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	74%
Deposits	$35.4M -7.0% YoY-3.1% QoQ	+$9.6M	$25.8M +0.7% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	70%

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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	1.3% +75.6% YoY-2.2% QoQ	+1.1%	0.1% -77.6% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	79%
NIM	3.4% +21.2% YoY+1.5% QoQ	-0.6%	4.0% +4.0% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	65.4% -15.3% YoY+0.3% QoQ	-25.3%	90.6% +6.5% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	0.3% -30.2% YoY+325.4% QoQ	-1.2	1.5% +3.8% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	31%
Loan To Share	62.0% +6.5% YoY+2.0% QoQ	+3.5%	58.5% -3.0% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	55%
AMR	$32,617 -3.1% YoY-1.5% QoQ	+$18K	$14,884 -1.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	Top 2.9% in tier
CD Concentration	30.1% +4.1% YoY+7.3% QoQ	+5.9%	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 (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Average Member Relationship (AMR)

engagement

Value: $32,617

Peer Median: $13,926

#73 of 2508 Top 2.9% in <100M tier

101

Loan-to-Member Ratio (LMR)

engagement

Value: $12,481

Peer Median: $4,923

#101 of 2508 Top 4.0% in <100M tier

462

Efficiency Ratio

profitability

Value: 65.36%

Peer Median: 81.45%

#462 of 2508 Top 18.4% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

534

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: 0.61%

#534 of 2508 Top 21.3% in <100M tier

Top Weaknesses (5 metrics)

2293

First Mortgage Concentration (%)

balance_sheet

Value: 49.19%

Peer Median: 3.66%

#2293 of 2508 Bottom 8.6% in <100M tier

2214

Deposit Growth Rate

growth

Value: -7.01%

Peer Median: 0.66%

#2214 of 2508 Bottom 11.8% in <100M tier

2147

Asset Growth Rate

growth

Value: -4.88%

Peer Median: 1.30%

#2147 of 2508 Bottom 14.4% in <100M tier

2077

Share Certificate Concentration (%)

balance_sheet

Value: 30.13%

Peer Median: 12.45%

#2077 of 2508 Bottom 17.2% in <100M tier

1897

AMR Growth Rate

growth

Value: -3.10%

Peer Median: 1.27%

#1897 of 2508 Bottom 24.4% in <100M tier