BlastPoint's Credit Union Scorecard
FT RANDALL
Charter #7067 · SD
FT RANDALL demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 6.34% above tier average
- + Net Interest Margin 0.92% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 0.4% in tier
- + Efficiency Ratio: Top 2.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,380
+0.8% YoY+1.4% QoQ
|
+764 |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$44.8M
+4.8% YoY+4.0% QoQ
|
+$14.6M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$26.5M
+9.5% YoY-1.3% QoQ
|
+$10.8M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$37.2M
+4.6% YoY+8.3% QoQ
|
+$11.5M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
7.0%
+193.0% YoY-9.1% QoQ
|
+6.3% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
Top 0.3% in tier |
| NIM |
4.9%
+7.2% YoY-2.4% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
42.8%
-11.9% YoY+0.3% QoQ
|
-39.8% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.9%
+42.8% YoY+172.5% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
71.4%
+4.8% YoY-8.8% QoQ
|
+10.8% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$18,853
+5.7% YoY+2.6% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
25.2%
-2.5% YoY-2.8% QoQ
|
+0.8% | 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)