BlastPoint's Credit Union Scorecard
DAKOTA STAR
Charter #8039 · SD
DAKOTA STAR has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Asset Growth Rate: Top 8.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Net Worth Ratio: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 21 that size in South Dakota.
- Shares and deposits +8.8% year over year ($40.4M in shares and deposits).
- Membership: 3,023 members, +0.5% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 1.15%.
- Efficiency ratio 77.26% vs a 88.77% peer average.
- Loan-to-share ratio 72.57% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,023
+0.5% YoY+0.2% QoQ
|
+437 |
2,585
-1.7% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$44.9M
+9.5% YoY-3.4% QoQ
|
+$14.6M |
$30.3M
+1.5% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
73% |
| Loans |
$29.3M
+9.9% YoY+6.7% QoQ
|
+$13.9M |
$15.5M
-1.7% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$40.4M
+8.8% YoY-4.4% QoQ
|
+$14.6M |
$25.8M
+1.1% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
75% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+16.9% YoY+6.9% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
67% |
| NIM |
4.1%
-3.3% YoY+3.6% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
77.3%
-3.6% YoY-0.8% QoQ
|
-11.5% |
88.8%
-6.9% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
42% |
| Delinquency Rate |
0.9%
-6.7% YoY+39.5% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
72.6%
+1.0% YoY+11.6% QoQ
|
+13.7% |
58.9%
-3.1% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$23,056
+8.7% YoY-0.2% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 12.8% in tier |
| CD Concentration |
20.8%
+25.6% YoY+12.3% QoQ
|
-3.8% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-25.1% YoY-11.6% QoQ
|
-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)