BlastPoint's Credit Union Scorecard
HURON AREA EDUCATION
Charter #7599 · SD
HURON AREA EDUCATION demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.3% in tier
- + Average Member Relationship (AMR): Top 5.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.3% 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 |
859
+0.1% YoY+0.5% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
10,625
+2.1% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$18.1M
+4.3% YoY+1.1% QoQ
|
$-12.1M |
$30.1M
+2.1% YoY
|
$182.5M
+3.9% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$8.8M
+2.5% YoY-4.2% QoQ
|
$-6.9M |
$15.8M
-1.3% YoY
|
$124.3M
+2.3% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$15.8M
+3.2% YoY+1.0% QoQ
|
$-9.9M |
$25.7M
+1.4% YoY
|
$161.4M
+6.0% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
1.4%
+3.4% YoY-9.6% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
1.1%
+33.3% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.8%
+1.9% YoY-1.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.0%
+8.8% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
64.3%
-0.5% YoY+5.2% QoQ
|
-18.2% |
82.6%
-2.3% YoY
|
76.6%
-2.2% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.8%
-2.2% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
56.0%
-0.7% YoY-5.1% QoQ
|
-4.6% |
60.6%
-3.1% YoY
|
72.1%
-0.2% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$28,641
+2.9% YoY-1.4% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$21,631
+3.0% YoY
|
$19,687
+2.0% YoY
|
Top 5.2% in tier |
| CD Concentration |
36.1%
+2.5% YoY+1.5% QoQ
|
+11.7% | 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)