BlastPoint's Credit Union Scorecard
FT RANDALL
Charter #7067 ยท SD
2596 CUs in <100M nationally
21 in SD
FT RANDALL demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.98% above tier average
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.3% in tier
- + Efficiency Ratio: Top 2.8% in tier
- + Loan Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,332
-0.4% YoY-0.0% QoQ
|
+706 |
2,625
-2.2% YoY
|
10,608
+2.1% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$43.0M
+3.5% YoY+1.4% QoQ
|
+$13.2M |
$29.9M
+1.1% YoY
|
$179.2M
+3.1% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$26.9M
+15.6% YoY+5.7% QoQ
|
+$11.1M |
$15.8M
-2.4% YoY
|
$123.6M
+0.8% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$34.3M
+0.1% YoY-1.6% QoQ
|
+$8.9M |
$25.5M
+0.4% YoY
|
$158.4M
+5.8% YoY
|
$464.6M
+9.3% YoY
|
70% |
| ROA |
7.7%
+93.4% YoY+522.9% QoQ
|
+7.0% |
0.7%
-731.4% YoY
|
1.2%
+16.1% YoY
|
0.7%
+273.4% YoY
|
Top 0.4% in tier |
| NIM |
5.0%
+6.2% YoY-3.8% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
4.1%
+10.1% YoY
|
3.7%
+5.0% YoY
|
Top 14.1% in tier |
| Efficiency Ratio |
42.6%
-11.7% YoY-39.4% QoQ
|
-38.8% |
81.4%
-2.4% YoY
|
76.3%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.8% in tier |
| Delinquency Rate |
0.3%
-43.7% YoY+155.6% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
0.8%
-9.0% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
78.3%
+15.5% YoY+7.5% QoQ
|
+17.1% |
61.2%
-3.0% YoY
|
74.1%
-0.2% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$18,375
+6.8% YoY+1.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$21,356
+3.4% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
25.9%
-1.0% YoY+6.2% QoQ
|
+1.5% |
24.4%
+4.2% YoY
|
28.6%
+2.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.9%
+0.1% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
9
Fee Income Per Member
profitability
Value:
$1,072
Peer Avg: $182.96
#9 of 2596
Top 0.3% in <100M tier
11
Return on Assets (ROA)
profitability
Value:
7.66%
Peer Avg: 0.68%
#11 of 2596
Top 0.4% in <100M tier
73
Efficiency Ratio
profitability
Value:
42.64%
Peer Avg: 81.39%
#73 of 2596
Top 2.8% in <100M tier
143
Loan Growth Rate
growth
Value:
15.64%
Peer Avg: 59.01%
#143 of 2596
Top 5.5% in <100M tier
367
Net Interest Margin (NIM)
profitability
Value:
5.00%
Peer Avg: 3.93%
#367 of 2596
Top 14.1% in <100M tier
459
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,070
Peer Avg: $5,488
#459 of 2596
Top 17.6% in <100M tier
471
AMR Growth Rate
growth
Value:
6.78%
Peer Avg: 4.67%
#471 of 2596
Top 18.1% in <100M tier
549
Total Loans
balance_sheet
Value:
$26.89M
Peer Avg: $15.77M
#549 of 2596
Top 21.1% in <100M tier
643
Loan-to-Share Ratio
balance_sheet
Value:
78.31%
Peer Avg: 61.23%
#643 of 2596
Top 24.7% in <100M tier
Top Weaknesses (2 metrics)
2011
First Mortgage Concentration (%)
balance_sheet
Value:
27.55%
Peer Avg: 14.49%
#2011 of 2596
Bottom 22.6% in <100M tier
2002
Share Certificate Concentration (%)
balance_sheet
Value:
25.91%
Peer Avg: 15.37%
#2002 of 2596
Bottom 22.9% in <100M tier