BlastPoint's Credit Union Scorecard
DACOTAH
Charter #7021 · SD
DACOTAH has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.49% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Efficiency ratio 8.68% above tier (higher cost structure)
- - Member decline: -3.7% YoY
- - Asset Growth Rate: Bottom 6.7% in tier
- - Deposit Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
843
-3.7% YoY-0.7% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$10.7M
-8.4% YoY-3.3% QoQ
|
$-19.5M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$6.3M
+5.2% YoY-2.8% QoQ
|
$-9.5M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$9.5M
-10.0% YoY-3.6% QoQ
|
$-16.2M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
35% |
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| ROA |
0.5%
+63.3% YoY-42.4% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
5.4%
+15.3% YoY+1.7% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
Top 7.8% in tier |
| Efficiency Ratio |
91.2%
-2.1% YoY+8.0% QoQ
|
+8.7% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate |
0.0%
-48.6% YoY-63.6% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
66.5%
+16.9% YoY+0.9% QoQ
|
+5.8% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$18,734
-0.9% YoY-2.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
18.5%
+28.8% YoY+15.4% QoQ
|
-5.9% | 24.4% | 29.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 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)