BlastPoint's Credit Union Scorecard
FT RANDALL
Charter #7067 · SD
FT RANDALL has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.37% above tier average
- + Member Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,462
+3.9% YoY+1.3% QoQ
|
+876 |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$44.2M
+4.2% YoY-1.7% QoQ
|
+$13.9M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$26.4M
+3.9% YoY-0.8% QoQ
|
+$11.0M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$36.4M
+4.3% YoY-2.2% QoQ
|
+$10.6M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
1.0%
-16.3% YoY-40.6% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
5.3%
+1.5% YoY+4.3% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
71.8%
+2.0% YoY-0.2% QoQ
|
-17.0% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
1.1%
+730.6% YoY+16.8% QoQ
|
-0.4 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
64% |
| Loan To Share |
72.6%
-0.4% YoY+1.5% QoQ
|
+13.7% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$18,143
+0.2% YoY-2.9% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
23.0%
-5.8% YoY+3.8% QoQ
|
-1.6% | 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)